Knowledge for the journey
Explore trusted programs and housing organizations serving Maryland and Pennsylvania. These resources can help you learn about homebuyer education, financing, down-payment support, housing counseling, and homeowner assistance.
Local & statewide support
Programs vary by location, household qualifications, funding, and timing. Review each official resource for current requirements, then contact us when you are ready to build a purchase plan.
Live Baltimore’s financial-incentive directory brings together Baltimore City programs for qualified buyers and homeowners, including down-payment and closing-cost assistance, loan programs, tax credits, and renovation incentives.
Explore Baltimore incentives →Live Baltimore maintains a searchable collection of programs that may help eligible Baltimore buyers reduce upfront costs. The directory includes grants, forgivable loans, deferred loans, and employer or neighborhood-based programs.
View assistance programs →The Maryland Department of Housing and Community Development offers mortgage options for eligible buyers, including fixed-rate home loans and programs that may provide down-payment or closing-cost assistance.
Visit the Maryland Mortgage Program →Education & assistance
Start with these statewide and federal sources to learn about home-purchase loans, housing counseling, assistance programs, and options for homeowners experiencing financial difficulty.
The Pennsylvania Housing Finance Agency provides home-purchase and refinance loans to qualified borrowers statewide. Its homebuyer resources also connect consumers with approved lenders, free counseling, and homebuyer education.
Explore PHFA homebuyer programs →PAHAF was created to help Pennsylvania homeowners who experienced pandemic-related financial hardship with qualified mortgage and housing expenses. The program is no longer accepting new applications; its website provides updates for existing and waitlisted applicants.
Read the current PAHAF update →HUD’s Pennsylvania page connects buyers, renters, and homeowners with approved housing counselors, FHA information, local housing authorities, foreclosure resources, home-improvement guidance, and fair-housing support.
Visit HUD Pennsylvania →Please note: Program availability, funding, eligibility, rates, and terms can change. Information on this page is educational and is not a promise of qualification or financial advice. Confirm current details directly with the organization or an approved lender.