Fha allows up to 6% seller contributions towards closing costs (regardless if the buyer is a 1st time home buyer or not). The $8,000 tax credit can be received this year even if the buyer has already submitted their 2009 taxes (this is after settlement). I don't know of any other credits for Montgomery County. P.G. county has the NSP program which is close to running out of funds and Frederick county has the NCIS program. Other then those, I do not know of any other programs/credits for 1st Time Homebuyers in Maryland.
If you contact me I can send you some information and give you some websites to check out.
Now is a great time to buy!
As a buyer, you can negotiate credits to pickup closing costs from the seller. This is true of any buyer -- first time or otherwise. Your chosen mortgage will determine *how much* this credit can be as a percentage of the sales price. Bottom line -- there are several common mortgage programs that are available allowing the seller to pickup closing costs.
I would be happy to refer a local mortgage broker who can walk through options that best meet your needs -- just let me know by contacting me from my website below.