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States and community action groups may have downpayment assistance programs. For example in Maryland there are several grant programs that assist qualified borrowers. Most are for low or moderate income households and have other stipulations, such as first-time homeowners and/or purchasing a home in a targeted area. Some are matching grants such as Housekeys4Employees (HK4E) in which the state matches an employer grant. Others are 0% loans that don't have to be paid off until the home is sold or refinanced. Some can be used for downpayment, where other programs are available for closing costs only.

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