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MD DEPT. OF HOUSING & COMMUNITY DEVELOPMENT The state’s Maryland Mortgage Program (MMP) provides competitive fixed-rate mortgage loans with a range of generous down payment and closing cost assistance options, including specialty loans for low-income homebuyers, purchasers in certain areas, and borrowers with student debt. Eligible borrowers—first-time and repeat homebuyers—access MMP loans through a network of approved lenders. Please visit mmp.maryland.org for more information.