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 3, 2026, from 8 am – 1 pm at the Baltimore Convention Center in Downtown. This FREE EVENT will give you a chance to explore Central Baltimore 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! Register today!

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. This certificate is awarded only after you complete a homeownership workshop AND a counseling session. *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