Described are systems and methods for reducing maximum programming voltage in memory programming operations. An example memory device comprises: a memory array comprising a plurality of memory cells electrically coupled to a plurality of wordlines and a plurality of bitlines; and a controller coupled to the memory array, the controller to perform operations comprising: identifying one or more memory cells for performing a memory programming operation, wherein the memory cells are electrically coupled to a target wordline and one or more target bitlines; causing drain-side select gates and source-side select gates of the memory array to be turned off; causing unselected wordlines of the memory array to discharge to a predefined voltage level; and causing one or more programming voltage pulses to be applied to the target wordline.