Live Near Your Work

At a Glance

$2,000 to $5,000+ down payment and closing cost assistance, grant

Who's Eligible?

Employees of participating employers who meet program requirements

To Get Started

Complete homeownership counseling and contact your employer’s benefits administrator

The Live Near Your Work program is a partnership between Baltimore City and participating employers to encourage homeownership near places of employment. Baltimore City matches employers’ contributions between $1,000 and $2,500 in the form of a grant. The total amount of assistance depends on the employer’s participation.


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 employer must participate in this program.
  • 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.
  • Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted.
  • Each participating employer may choose to limit their program by factors such as geographic area, employment status, income level, and other criteria. Contact your employer’s benefits administrator for full eligibility details.


Participating Employer List

Live Near Your Work Employer Application

Live Near Your Work Employer Verification Form


Baltimore City Department of Housing and Community Development, Office of Homeownership
(410) 396-4209 or (410) 396-3124

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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