Baltimore City Employee Homeownership Program

At a Glance
$5,000 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

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.


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 cannot exceed the current FHA mortgage limit of $632,500 for a single-family home.
  • Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.
  • No household income restriction
  • Not limited to first-time homebuyers


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

Marilyn Hinton-Brown
(410) 396-4104


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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