Homeownership Incentives

Welcome to the Office of Homeownership!

The Office of Homeownership offers a variety of incentive programs to homebuyers purchasing in Baltimore City. These incentives can make buying a home more affordable by lowering your closing costs and boosting your downpayment.

All incentives require homeownership counseling from a City-approved homeownership counseling agency within one year of writing an offer, and a minimum $1,000 investment from the homebuyer's own funds towards the purchase of the property. All incentives, with the exception of Live Near Your Work, are provided as five-year forgivable loans.

Incentive Programs and Contact Information

Basic information about our incentive programs is listed here. For additional general information, contact the Office of Homeownership's main line at 410-396-3124. For information about specific programs, contact the program coordinator listed.

Our application is now online! Effective July 1, 2020 homebuyers are now able to apply for incentives online. You will need to first register for an account with an email address and password. To access to the applicant portal, register your account, sign in, and submit your application, click HERE. Please note that your housing counseling agency and lender must complete the online application if you are applying for the Community Development Block Grant (CDBG) Assistance Program or Direct Homeownership Assistance Program.

Baltimore City Employee Homeownership Program - $5,000 for employees of City and quasi-City agencies who have been employed for at least six months. Call Tanika Owens at 410-396-1319, or email [email protected].

Buying Into Baltimore - $5,000 awarded by lottery to people who attend a Live Baltimore Trolley Tour and meet other conditions. Call Michael Guye at 410-396-4160, or email [email protected].

Community Development Block Grant (CDBG) Homeownership Assistance Program - $5,000 for first-time homebuyers with a household income at or below 80% of area median income. Currently, this is $54,950 for a household of one, $62,800 for two, or $78,500 for four. Call Brenda Winston at 443-984-2264, or email [email protected].

Direct Homeownership Assistance Program - An additional $5,000 for CDBG Homeownership Assistance Program recipients who (a) purchase the house they have rented and occupied for at least six months, or (b) have a household member with a disability. Call Brenda Winston at 443-984-2264, or email [email protected].

Live Near Your Work - This partnership with participating employers encourages homeownership near places of employment. The City matches employers' contributions between $1,000 and $2,500, for total incentives of $2,000-$5,000+, depending on the employer. Call Tanika Owens at 410-396-1319, or email [email protected].

Vacants to Value Booster - $10,000 incentive for properties that were subject to a Vacant Building Notice for at least one year prior to (a) rehabilitation of the property by an investor/developer, or (b) sale of the property to a homebuyer who intends to renovate the property using an acquisition/rehabilitation loan. Call Tanika Owens at 410-396-1319, or email [email protected].

Incentive Tracker (as of 4/28/21)

Incentives are budgeted annually for the City's fiscal year, which begins July 1 and ends June 30. The chart below shows remaining incentives for the fiscal year ending June 30, 2021. The first date in the date ranges listed in parentheses is the first date on which you may apply for the incentive listed. Be sure to schedule settlement at least thirty days out from the time of application.

Program Name Remaining Incentives
Baltimore City Employee Homeownership Program 1 (7/1/20 - 12/31/20) 0
Baltimore City Employee Homeownership Program 2 (1/1/21 - 6/30/21) 0
Buying Into Baltimore 20
Community Development Block Grant (CDBG) Homeownership Assistance Program 162
Direct Homeownership Assistance Program 10
Live Near Your Work 1 (7/1/20 - 12/31/20) 0
Live Near Your Work 2 (1/1/21 - 6/30/21) 33
Vacants to Value Booster 1 (7/1/20 - 12/31/20) 0
Vacants to Value Booster 2 (1/1/21 - 6/30/21) 29

Additional Resources

Baltimore Homeownership Incentive Program Flyer

How to Maximize Your Homebuying Experience 

Office of Homeownership Policies & Procedures 

Online Application Registration and Sign-In

Live Near Your Work Policies & Procedures

Live Near Your Work Employer Verification Form

Live Near Your Work Employer Application

Live Baltimore Home Center

Maryland Mortgage Program