# Housing and Community Development (GHS)

## Title 4. Division of Development Finance

### Subtitle 3. Down Payment and Settlement Expense Loan Program

#### Section 4-308

(a) Subject to subsection (b) of this section, a recipient of a Program loan shall complete homebuyer education that meets the requirements of the Department.

(b) The Department's homebuyer education requirements shall:

  (1) allow a Program loan recipient to use the online homebuyer education for a HUD-approved product and contact a HUD-approved counseling agency to receive a certificate; and

  (2) enable one political subdivision's certificate to be used in another political subdivision.

(c) This subtitle does not alter or preempt the authority of a political subdivision to establish homebuyer education or counseling requirements for a down payment assistance program operated by the political subdivision.

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Md. Code Ann., Hous. & Cmty. Dev. (as displayed at mgaleg.maryland.gov, October 16, 2026)