Baltimore City Employee Homeownership Program

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.

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 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

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

Mia Conyer
(410) 396-1319
Email

Monyea Briggs
(410) 396-4209
Email

Website