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NHS of Baltimore BVRI Down Payment Assistance

NHS of Baltimore BVRI Down Payment Assistance is a deferred second loan for homebuyers in Baltimore, Maryland, administered by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore).

Last verified Source: Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore)
Check if this fits me Official program site ↗

The program asks for

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through NHS homebuyer workshop plus one-on-one counseling (required before making an offer)
  • Must complete a homebuyer workshop and one-on-one counseling before making an offer; property must be in a BVRI or UPLIFT-funded area; funds subject to availability.
  • A home inside Baltimore city limits

It doesn’t cover

  • Homes outside Baltimore

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Where it applies

Baltimore’s homes

  • 14.7% single-family
  • 50.4% townhouse
  • 9.9% 2–4 units
  • 24.7% 5+ units
  • 0.3% mobile & other

$229,600

Baltimore median home value

81.6%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Baltimore

How to apply

  1. Take a homebuyer education course

    Required by the program, through NHS homebuyer workshop plus one-on-one counseling (required before making an offer).

  2. Contact Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Questions about this program

What is NHS of Baltimore BVRI Down Payment Assistance?

NHS of Baltimore BVRI Down Payment Assistance is a deferred second loan for homebuyers in Baltimore, Maryland, administered by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore). The Baltimore Vacants Reinvestment Initiative (BVRI) Down Payment Assistance program through NHS of Baltimore provides up to $20,000 to eligible buyers purchasing homes in BVRI- or UPLIFT-funded areas of Baltimore City. Funds may be used toward down payment or closing costs. Buyers must complete a homebuyer workshop and one-on-one counseling before making an offer. Up to $20,000 assistance. Usable for down payment or closing costs. Targeted to BVRI/UPLIFT reinvestment areas. Funding comes from Baltimore Vacants Reinvestment Initiative (BVRI); BVRI or UPLIFT-funded areas.

How much assistance does it provide?

NHS of Baltimore BVRI Down Payment Assistance offers up to $20,000 in assistance. The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) determines any individual award.

Do you have to pay it back?

NHS of Baltimore BVRI Down Payment Assistance is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

NHS of Baltimore BVRI Down Payment Assistance is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required, through NHS homebuyer workshop plus one-on-one counseling (required before making an offer). Must complete a homebuyer workshop and one-on-one counseling before making an offer; property must be in a BVRI or UPLIFT-funded area; funds subject to availability.

Where does it apply?

NHS of Baltimore BVRI Down Payment Assistance serves homebuyers purchasing in Baltimore, Maryland. The program targets specific areas: Homes located in BVRI or UPLIFT-funded areas of Baltimore City.

How do you apply?

Applications for NHS of Baltimore BVRI Down Payment Assistance go through Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Baltimore homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 107 programs for Baltimore

Program terms are set by Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore) and can change; confirm on the official site before you apply.