Are the MPDU and HOC’s Home Ownership Programs the same?

No. The MPDU Program and HOC’s First Trust Mortgages are two different programs run by two separate agencies. HOC offers financing once you have a contract on a home.

MPDU offers below market priced homes through builders. https://www.montgomerycountymd.gov/department-housing-community-affairs/moderately-priced-dwelling-units-mpdus