Down payment assistance · Baltimore County

Buying a home in Baltimore, MD

25 Baltimore programs, 1 county program and 19 statewide.Baltimore has 25 programs of its own, 1 more across Baltimore County, and 19 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.

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Only for Baltimore addresses

Baltimore’s own programs

Deferred second loanIncome limits

NHS of Baltimore Down Payment Assistance Program

Income limits · Single Family · Townhouse · Condo

Run by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) for homes inside Baltimore. Lists single family, townhouse, condo and 2-4 unit as eligible.

Verified Jul 2026

See program details Check if it fits me

Deferred second loan

NHS of Baltimore BVRI Down Payment Assistance

Run by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) for homes inside Baltimore.

Verified Jul 2026

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Assistance grant

University of Maryland, Baltimore Live Near Your Work (LNYW)

Single Family · Townhouse · Condo

Run by University of Maryland, Baltimore Human Resources (with Baltimore City Office of Homeownership) for homes inside Baltimore. Lists single family, townhouse and condo as eligible.

Verified Jul 2026

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Assistance grant

Johns Hopkins Live Near Your Work (LNYW)

Single Family · Condo · Townhouse

Run by Johns Hopkins University Benefits & Worklife (with Baltimore City Office of Homeownership) for homes inside Baltimore. Lists single family, condo, townhouse and 2-4 unit as eligible.

Verified Jul 2026

See program details Check if it fits me

Assistance grantIncome limits

University of Maryland, Baltimore (UMB) Live Near Your Work Program

Income limits · single_family · condo · townhouse

Run by University of Maryland, Baltimore (UMB) Human Resource Services, Office of Community Engagement for homes inside Baltimore. Lists single_family, condo and townhouse as eligible.

Verified Jul 2026

See program details Check if it fits me

Forgivable loanFirst-time homebuyersIncome limits

FHLBank Atlanta First-Time Homebuyer Product

First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse, condominium, 2-4 unit owner-occupied, cooperative, manufactured home and new construction as eligible.

Verified Jul 2026

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Forgivable loan

Baltimore City Employee Homeownership Program (BCEHP)

Single Family · Townhouse · Condo

Run by Baltimore City Department of Housing & Community Development, Office of Homeownership for homes inside Baltimore. Lists single family, townhouse, condo and 2-4 unit as eligible.

Verified Jul 2026

See program details Check if it fits me

Deferred second loanFirst-time homebuyersIncome limits

CHAI Homebuyer Assistance Loan

First-time homebuyers · Income limits · Single Family · Townhouse · Condo

Run by Comprehensive Housing Assistance, Inc. (CHAI) for homes inside Baltimore. Lists single family, townhouse and condo as eligible.

Verified Sep 2026

See program details Check if it fits me

Assistance grantIncome limits

Kennedy Krieger Institute Live Near Your Work Program

Income limits · single_family · townhouse · condo

Run by Kennedy Krieger Institute and the City of Baltimore (Live Baltimore administers the city LNYW program) for homes inside Baltimore. Lists single_family, townhouse and condo as eligible.

Verified Aug 2026

See program details Check if it fits me

Deferred second loan

NHS of Baltimore BRNI Down Payment Assistance

Run by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) for homes inside Baltimore.

Verified Jul 2026

See program details Check if it fits me

Forgivable loanIncome limits

Vacants to Value (V2V) Booster

Income limits · Single Family · Townhouse

Run by Baltimore City Department of Housing and Community Development (DHCD), Office of Homeownership for homes inside Baltimore. Lists single family and townhouse as eligible.

Verified Sep 2026

See program details Check if it fits me

Forgivable loanFirst-time homebuyersIncome limits

CHAI Homebuyer Incentive Grant

First-time homebuyers · Income limits

Run by Comprehensive Housing Assistance, Inc. (CHAI) for homes inside Baltimore.

Verified Sep 2026

See program details Check if it fits me

Forgivable loanFirst-time homebuyersIncome limits

Direct Homeownership Assistance Program

First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse, condominium and 2-4 unit owner-occupied as eligible.

Verified Jul 2026

See program details Check if it fits me

Assistance grantIncome limits

LifeBridge Health Live Near Your Work Program

Income limits · single_family · townhouse · condo

Run by Baltimore County Department of Housing and Community Development in partnership with LifeBridge Health for homes inside Baltimore. Lists single_family, townhouse and condo as eligible.

Verified Sep 2026

See program details Check if it fits me

Deferred second loanFirst-time homebuyersIncome limits

Baltimore Southwest Partnership Inc Down Payment Assistance Program

First-time homebuyers · Income limits · Single-family detached · Rowhouse · Townhome

For homes inside Baltimore. Lists single-family detached, rowhouse and townhome as eligible.

Verified Jul 2026

See program details Check if it fits me

Forgivable loanIncome limits

Baybrook Boost

Income limits · Single-family detached · Rowhouse · Townhome

For homes inside Baltimore. Lists single-family detached, rowhouse, townhome and condominium as eligible.

Verified Jul 2026

See program details Check if it fits me

Assistance grantNew constructionIncome limits

Buy Back the Block

New construction · Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse, condominium and 2-4 unit owner-occupied as eligible.

Verified Jul 2026

See program details Check if it fits me

Assistance grant

Buy In Belair-Edison Down Payment Grant

single_family · townhouse

Run by Belair-Edison Neighborhoods, Inc. (BENI) for homes inside Baltimore. Lists single_family and townhouse as eligible.

Verified Sep 2026

See program details Check if it fits me

Forgivable loanIncome limits

Buying Into Baltimore Down Payment and Closing Cost Assistance

Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse, condominium and 2-4 unit owner-occupied as eligible.

Verified Jul 2026

See program details Check if it fits me

Forgivable loanIncome limits

Central Baltimore Homebuying Incentive Program

Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse and condominium as eligible.

Verified Jul 2026

See program details Check if it fits me

Forgivable loanFirst-time homebuyersIncome limits

First-Time Homebuyers Incentive Program

First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse, condominium and 2-4 unit owner-occupied as eligible.

Verified Jul 2026

See program details Check if it fits me

First mortgage

Healthy Neighborhoods Purchase & Rehab Loan

Single Family · 2-4 Unit

Run by Healthy Neighborhoods, Inc. for homes inside Baltimore. Lists single family and 2-4 unit as eligible.

Verified Aug 2026

See program details Check if it fits me

Assistance grantFirst-time homebuyers

Morgan State University Live Near Your Work Program

First-time homebuyers · single_family · townhouse

Run by Morgan State University and the City of Baltimore (intake via Belair-Edison Neighborhoods, Inc.) for homes inside Baltimore. Lists single_family and townhouse as eligible.

Verified Jul 2026

See program details Check if it fits me

Deferred second loanFirst-time homebuyersIncome limits

Project Reinvest Program

First-time homebuyers · Income limits · Single-family detached · Townhome · Rowhouse

For homes inside Baltimore. Lists single-family detached, townhome, rowhouse and condominium as eligible.

Verified Jun 2026

See program details Check if it fits me

Down-payment assistanceFirst-time homebuyersNew constructionIncome limits

South Baltimore Community Land Trust Homeownership Program

First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Duplex

Run by South Baltimore Community Land Trust (SBCLT) for homes inside Baltimore. Lists single family, townhouse and duplex as eligible.

Verified Aug 2026

See program details Check if it fits me

Anywhere in BaltimoreAnywhere in Baltimore County

1 county program1 county program a Baltimore homebuyer can also use

Deferred

Settlement Expense Loan Program (SELP)/Closing Cost Program

Deferred second loan · Forgiven over 15 yrs · Income limits

See details

Settlement Expense Loan Program (SELP)/Closing Cost ProgramDeferred

The Baltimore marketThe Baltimore housing market

Kinds of homes hereWhat’s for sale here, and what the programs accept

Kinds of homes in Baltimore

14.7% single-familysingle-family
50.4% townhousetownhouse
9.9% 2–4 units2–4 units
24.7% 5+ unitscondo & apartment buildings (5+ units)
0.3% mobile & othermobile home & other

U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.

When Baltimore’s homes were built

pre-19401970s2020+

81.6%

of Baltimore homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.

U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.

$134,000

County area median income, 4 people (HUD)HUD area median income, Baltimore County, 4-person household (2026)

$62,177

Baltimore median household incomeMedian household income in Baltimore (Census, 2024)

29 of the 107 programs here set their income limit as a share of Baltimore County’s area median income, adjusted for household size. See the published limits for Baltimore County

Free help nearbyFree help near Baltimore

18 HUD-approved counseling agencies within 15 miles18 HUD-approved housing counseling agencies within 15 miles

23 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.23 of the 26 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.

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Across Maryland and nationwide

81 statewide & federal programs19 statewide programs, plus federal options

Baltimore questions

Does Baltimore have its own down payment program?

Yes, 25: NHS of Baltimore Down Payment Assistance Program, NHS of Baltimore BVRI Down Payment Assistance, University of Maryland, Baltimore Live Near Your Work (LNYW), Johns Hopkins Live Near Your Work (LNYW), University of Maryland, Baltimore (UMB) Live Near Your Work Program, FHLBank Atlanta First-Time Homebuyer Product, Baltimore City Employee Homeownership Program (BCEHP), CHAI Homebuyer Assistance Loan, Kennedy Krieger Institute Live Near Your Work Program, NHS of Baltimore BRNI Down Payment Assistance, Vacants to Value (V2V) Booster, CHAI Homebuyer Incentive Grant, Direct Homeownership Assistance Program, LifeBridge Health Live Near Your Work Program, Baltimore Southwest Partnership Inc Down Payment Assistance Program, Baybrook Boost, Buy Back the Block, Buy In Belair-Edison Down Payment Grant, Buying Into Baltimore Down Payment and Closing Cost Assistance, Central Baltimore Homebuying Incentive Program, First-Time Homebuyers Incentive Program, Healthy Neighborhoods Purchase & Rehab Loan, Morgan State University Live Near Your Work Program, Project Reinvest Program and South Baltimore Community Land Trust Homeownership Program. Each is for homes inside Baltimore.

Can I use assistance on a condo in Baltimore?

Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.

What is the income limit in Baltimore County?

Each program sets its own. 29 of the programs here set theirs as a share of HUD’s area median income for Baltimore County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.

Where can I take a homebuyer class near Baltimore?

HUD-approved housing counseling agencies teach homebuyer classes, and 18 agencies are within 15 miles of Baltimore. Create a free account and take the 90-second match to see the ones near you.

ZIP codes

21201 · 21202 · 21203 · 21205 · 21206 · 21209 · 21210 · 21211 · 21212 · 21213 · 21214 · 21215 · 21216 · 21217 · 21218 · 21223 · 21224 · 21229 · 21230 · 21231 · 21233 · 21235 · 21239 · 21240 · 21241 · 21250 · 21251 · 21252 · 21263 · 21264 · 21265 · 21268 · 21270 · 21273 · 21274 · 21275 · 21278 · 21279 · 21280 · 21281 · 21282 · 21283 · 21284 · 21285 · 21287 · 21288 · 21289 · 21290 · 21297 · 21298

Nearby in Baltimore

Sources

Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.