Baltimore City Employee Homeownership Program

At a Glance
$5,000 or $10,000 down payment and closing cost assistance, 5-year forgivable loan
Who's Eligible?
Employees of Baltimore City agencies and quasi-City agencies who meet program requirements
To Get Started:
Complete homeownership counseling and a program application

Learn about all city homebuying incentives, including the employee homeownership program, at a free online workshop on Wednesday, November 15th at 6 p.m. Register here.

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.

For a limited time, employees purchasing in 205 of the City’s most affordable neighborhoods will receive a doubled incentive of $10,000. Click here for an eligibility map and list of neighborhoods. The Incentive Enhancement is available through September 2024.


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


  • You must earn a homeownership counseling certificate before making an offer on your home.
  • 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 $632,500.
  • Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.
  • No household income restriction
  • Not limited to first-time homebuyers


Learn more about the enhanced Baltimore City Employee Homeownership Program.


Baltimore City Department of Housing and Community Development, Office of Homeownership

Mia Conyer
(410) 396-1319

Monyea Briggs
(410) 396-4209


We're here to help.

Have more questions about this or other Baltimore City homeownership incentives? We're here to help! Send us an email or give us a call at (410) 637-3750. A Live Baltimore team member can walk you through your options.
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