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Baltimore City

 

CDBG Program

  • $5,000 towards downpayment and closing cost assistance
  • Buyer must contribute at least $1,000 toward purchase
  • Income limits apply
  • 5 Year forgivable 20% per year
  • Must be primary residence
  • Must close within 90 days of the sales contract date

 

Baltimore City Employee Program

  • $3,000 toward downpayment and closing cost assistance
  • $3,750 in healthy neighborhoods
  • Must be primary residence
  • 5 Year forgivable 20% per year
  • Buyer contribution at least $1,000 towards purchase
  • Mortgage loan may not exceed $417,000

 

Live Near Your Work Program

  • Minimum $2,000 grant
  • Participating Baltimore City employees
  • Benefits may be supplemented by the employer
  • Buyer required to contribute a minimum of $1,000
  • Home buyer counseling required
  • Johns Hopkins employees up to $17,000 in select neighborhoods

 

Buying Into Baltimore

  • $4,000 towards downpayment
  • Participate in tour and have ticket validated at four homes
  • Buyer required to contribute a minimum of $1,000
  • Eastern Baltimore-approved neighborhoods only
  • Counseling required before event
  • Johns Hopkins employees up to $17,000 in select neighborhoods

 

City Housing Assistance Program (CHAP)

  • Rehabilitation loan up to $20,000
  • Term between 10 and 12 years
  • Interest rate between 0% and 6%
  • Income limits apply
  • 1 or 2 unit properties only

 

Direct Purchase Program

  • $25,000 towards purchase or rehab
  • Income limits apply
  • More funds may be available in Reservoir Hill
  • 12 eligible census tracts in 7 Baltimore neighborhoods
  • Eligible for FHA 203K loan
  • Foreclosed properties only

 

Baltimore City BRAC Homeownership Incentive

  • Up to $6,000 downpayment and closing cost assistance
  • Buyer must participate in "Buying into Baltimore" Event

 

 

 

DSELP
Baltimore City Lead Abatement Action program (LAAP)
City Housing Assistance Program (CHAP)
Ground Rent Buy-Out Program
Community Partnership Incentive Program (CPIP)

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