Settlement Expense Loan Program (SELP)/Closing Cost Program
Deferred second loan · Forgiven over 15 yrs · Income limits
Down payment assistance · Baltimore County
Buying a home in Owings Mills, MD
1 county program and 19 statewide.Owings Mills has no program of its own, 1 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Owings Mills
No program of Owings Mills’s own yet
No program run for Owings Mills alone is listed. A home in Owings Mills can use Baltimore County’s programs below, plus the Maryland statewide and federal ones.
The closest city that runs its own program is Baltimore, about 13 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BaltimoreAnywhere in Baltimore County
1 county program1 county program a Owings Mills homebuyer can use
1 more program is for homes in Baltimore. See them 1 program in neighboring cities — for homes inside those cities, not Owings Mills
- Baltimore — LifeBridge Health Live Near Your Work Program
The Owings Mills marketThe Owings Mills housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Owings Mills
- 19.1% single-familysingle-family
- 24.8% townhousetownhouse
- 2.8% 2–4 units2–4 units
- 53.3% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. Owings Mills’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Owings Mills’s homes were built
pre-19401970s2020+
25.5%
of Owings Mills 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)
$96,243
Owings Mills median household incomeMedian household income in Owings Mills (Census, 2024)
18 of the 82 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 Owings Mills
13 HUD-approved counseling agencies within 15 miles13 HUD-approved housing counseling agencies within 15 miles
Owings Mills’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Settlement Expense Loan Program (SELP)/Closing Cost Program asks 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Maryland and nationwide
81 statewide & federal programs19 statewide programs, plus federal options
Owings Mills questions
Does Owings Mills have its own down payment program?
No program run for Owings Mills alone is listed. A home in Owings Mills can use the 1 program that cover Baltimore County and the 19 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Owings Mills?
Owings Mills’s one local program accepts condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Baltimore County?
Each program sets its own. 18 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 Owings Mills?
HUD-approved housing counseling agencies teach homebuyer classes, and 13 agencies are within 15 miles of Owings Mills. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
21117
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.