First-Time Homebuyers Incentive Program

At a Glance

$10,000 down payment and closing cost assistance, 5-year forgivable loan

Who's Eligible?

Baltimore City homebuyers who meet income and other program requirements

To Get Started

Complete homeownership counseling and a program application

The First-Time Homebuyers Incentive Program (formerly Community Development Block Grant (CDBG) Homeownership Assistance Program) provides $10,000 in down payment and closing cost assistance to eligible first-time homebuyers purchasing a home in Baltimore City. Participants who qualify for this program, may also qualify for the Direct Homeownership Assistance Program.


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 live in this home as your primary residence.
  • You must contribute at least $1,000 of your own money to your home purchase.
  • Your mortgage amount cannot exceed the current FHA mortgage limit of $667,000 for a single-family home.
  • You must apply and be approved prior to closing on your home. Program funds are not retroactive.
  • Household income cannot exceed 80% AMI
  • First-time homebuyers only
  • Requires a “Housing Quality Standard” (HQS) inspection
  • Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.


Baltimore City Department of Housing and Community Development, Office of Homeownership
Brenda Winston
(443) 984-2264

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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