Comprehensive Housing Assistance, Inc. (CHAI)
Up to $10,000 toward a down payment in MD.
CHAI's Homebuyer Assistance Loan offers eligible first-time homebuyers up to $10,000 toward closing costs and buyers' fees in northwest Baltimore City. It is a zero-interest, 10-year deferred second mortgage with no payments for the first 5 years; at the start of the 6th year the loan re-amortizes and the borrower makes equal monthly payments for the remainder of the term. The loan is secured by a Deed of Trust, requires the property remain the primary residence, and may be combined with other assistance programs.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on CHAI Homebuyer Assistance Loan: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from September 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.