State Mortgage Programs and Homeownership Assistance

Down Payment Settlement Expense Loan Program (DSELP)

DSELP provides 0 percent deferred second mortgage loans to eligible homebuyers to cover settlement expenses when applicants use a CDA Maryland Mortgage Program. Please see the State's Web site at for more program details.

Homeownership for Individuals with Disabilities Program

To be eligible, at least one borrower must have a disability or is the parent of a child with a disability; the family income is not more than $85,500; and the sale price is not more than $300,000. The mortgage program offers a 3% to 5% interest rate loan for income eligible buyers. City settlement funds are part of the program. The minimum cash requirement is approximately $900. For more program details, please visit the States Web site at For Baltimore City, contact Robert Bartolini at 410-396-4159.

The Maryland HomeCredit Program

The Maryland HomeCredit Program (MD HomeCredit Program) provides Mortgage Credit Certificates (MCC) that entitle eligible borrowers to take a federal income tax credit equal to a percentage (the Certificate Credit Rate stated below) of the interest paid during the year on a mortgage loan covered by the MCC, up to a maximum of $2,000 per year.

Click here to download the Fact Sheet.

Tenant Conversion Mortgage Program

Tenants buying the home they are currently renting may be eligible for the Tenant Conversion Program. Some City funds may be available for help with settlement costs. The minimum cash requirement is $1,000. If interested, please contact Robert Bartolini at 410-396-4159.