State of Maryland

• CDA More House 4 Less Mortgage Program – primarily targeted to first-time homebuyers. Provides low-interest mortgage loans to eligible homebuyers with low-to-moderate income. www.morehouse4less.com
• Down Payment and Settlement Expense Loan Program - used in conjunction with the Maryland Mortgage Program. Offers 0% deferred loans up to $5,000 for down payment and settlement costs to low-and-moderate income homebuyers www.morehouse4less.com
• House Keys 4 Employees Program - is an employer based program that enables eligible homebuyers to receive more down payment and/or closing cost assistance than is available through the standard down payment and closing cost assistance programs. Visit www.morehouse4less.com for a list of participating employers including Harford County Government, Harford County School Board, Harford County Public Library, Harford County Sheriff’s Office and Harford County Fire Department.
• Homeowners’ Property Tax Credit - allows credits against the homeowner's property tax bill if the property taxes exceed a fixed percentage of the person's gross income. Supplemental tax credits are available for Harford County residents. Visit www.dat.state.md.us for more information.

Harford County

• American Dream Down payment Initiative (ADDI) – assists first-time homebuyers in purchasing homes by providing funds for down payment, closing costs and rehabilitation in conjunction with the assisted home purchase. Amount of ADDI assistance may not exceed $10,000 or 6% of the purchase price of the home.
  www.harfordcountymd.gov/housing/SELP.html
• Solar Energy/Geothermal Device Tax Credits - Harford County offers up to $2,500 in tax credits to homeowners for the installation of Solar energy or Geothermal devices for the year in which it was installed. For information contact the Harford County Department of Administration at 410.638.3210.