Baltimore City Employee Homeownership Program

Explore a part of Baltimore City at Trolley Tour, a one-stop shop to discover, learn, and connect with homebuying resources in Baltimore City.

Our next Trolley Tour will be Saturday, October 4, 2025, from 8 am – 1 pm at Johns Hopkins University at Eastern. This FREE EVENT will give you a chance to explore Northeast neighborhoods and attend expert-led workshops. Connect with real estate professionals and homeownership counseling agencies at the City Living Fair and get all your questions answered!

The Baltimore City Employee Homeownership Program is a benefit to all full-time, permanently employed individuals of Baltimore City agencies or quasi-City agencies. Eligible employees purchasing their home in Baltimore City should apply.

PROGRAM BENEFIT

This program reduces the amount of money you’ll need up-front to buy your home.

ELIGIBILITY & LIMITATIONS

• You must earn a homeownership counseling certificate from a City-approved counseling agency before making an offer on your home. *Homeownership certificates are valid for 12 months from the date of completion.
• You must contribute at least $1,000 of your own money to your home purchase.
• You must live in this home as your primary residence.
• Your mortgage amount for a single-family home cannot exceed the current FHA mortgage limit of $731,400.
• Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.
• No household income restriction
• Not limited to first-time homebuyers

ADDITIONAL REFERENCES & RESOURCES

Learn more about the enhanced Baltimore City Employee Homeownership Program.

PROGRAM CONTACT

Baltimore City Department of Housing and Community Development, Office of Homeownership
(410) 396-3124
Email
Website