Neighborhood Housing Services of Baltimore, Inc. (NHS of Baltimore)

NHS of Baltimore Down Payment Assistance Program

Up to $45,000 toward a down payment in MD.

Location: MD
Type: Deferred loan
Max assistance: $45,000
Min. credit score: 660
First-time buyer: Not required
Property types: Single family, Townhouse, Condo, 2–4 unit (owner-occupied)

NHS of Baltimore's Down Payment Assistance Program is a conventional loan product for buyers purchasing an owner-occupied home in Baltimore City. It provides up to 95% LTV in a first lien and up to 25% (maximum $45,000) in a 0%-interest second lien for down payment and closing costs, with combined LTV capped at 105%. The second lien requires no payments and is deferred for the life of the first lien, becoming payable upon sale, refinance, or transfer; assistance is not limited to first-time buyers.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

NHS of Baltimore Down Payment Assistance Program, explained

A short, free course on NHS of Baltimore Down Payment Assistance Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.