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 before writing an offer on a home, and a minimum $1,000 investment from the homebuyer's own funds towards the purchase of the property. All incentives are provided as five-year forgivable loans except for Live Near Your Work, which is offered as a grant.

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 online. To register your account, sign in, and submit an application, visit our Applicant Portal. 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 Brenda Winston at 443-984-2264, 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 Monyea Briggs at 410-396-4209, 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 $55,950 for a household of one, $63,950 for two, or $79,900 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 Monyea Briggs at 410-396-4209, or email [email protected].

Vacants to Value Booster - $10,000 incentive for properties that were subject to a City-issued Vacant Building Notice for at least one year prior to (a) rehabilitation of the property by a developer, or (b) sale of the property to a homebuyer who intends to renovate the property using an acquisition/rehabilitation loan. Call Michael Guye at 410-396-4160, or email [email protected].

Incentive Tracker (as of 10/12/21)

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, 2022. The date listed in parentheses after each program 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 (Apply beginning July 26, 2021) 0
Baltimore City Employee Homeownership Program 2 (Apply beginning January 1, 2022) 30
Buying Into Baltimore (Apply after three Live Baltimore Trolley tours during the year) 40
CDBG Homeownership Assistance Program (Apply beginning July 1, 2021) 362
Direct Homeownership Assistance Program (Apply beginning July 1, 2021) 23
Live Near Your Work 1 (Apply beginning July 26, 2021) 58
Live Near Your Work 2 (Apply beginning January 1, 2022) 72
Vacants to Value Booster 1 (Apply beginning July 1, 2021) 0
Vacants to Value Booster 2 (Apply beginning January 1, 2022) 25

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