Buy Back the Block

Ang Buy Back the Block ay isang grant para sa mga bibili ng bahay sa Baltimore, Maryland. Anti-displacement GRANT program for renters in Black-majority Baltimore neighborhoods. $15K purchase OR $20K purchase + renovation grant (no repayment). 12-month neighborhood residency requirement. Open to FTHB and repeat buyers. Funded by $3.06M ARPA allocation; administered by Live Baltimore. 120+ eligible neighborhoods as of 2025. Buy Back the Block (BBB) is a TRUE GRANT (no repayment) of $15,000 for home purchase, OR $20,000 for home purchase + renovation, awarded to qualifying long-term renters in historically Black-majority Baltimore neighborhoods who buy in those same neighborhoods - explicitly designed to prevent renter displacement and create generational wealth in disinvested Black communities. Funded with $3.06M of Baltimore City's $100M ARPA fiscal recovery allocation in November 2022. administered by Live Baltimore in partnership with Baltimore City DHCD. EXPANDED in 2024-2025 from initial 15 neighborhoods to 120+ Baltimore neighborhoods (designation by Baltimore Department of Planning based on Black-majority + middle-neighborhood / disinvestment criteria). As of April 2025, $750,000+ disbursed serving 60+ buyers. program stabilizing toward 270+ households over full ARPA period. Income cap ~$132,000 (per LendSquawk seed). max purchase price $667,000 (per seed. aligns with FHA Baltimore MSA loan limit). Must work with Live Baltimore-approved lender. Not FTHB-only. Ang pondo ay mula sa Federal ARPA at Local Government.

Ang Buy Back the Block ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may True grant - NO repayment, NO forgiveness schedule, NO recapture (subject to standard ARPA/grant rules and any city retention covenant if applicable - none currently disclosed). Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Buy Back the Block sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No published BBB-specific minimum; first-mortgage lender's product minimums apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Baltimore City-approved homeownership counseling agency. Buyer must complete pre-purchase counseling and obtain certificate. Requirement sa paninirahan: Must have lived in a grant-eligible neighborhood for at least 12 months prior to purchase agreement; must purchase within an eligible neighborhood. Citizenship o katayuan sa imigrasyon: Per first-mortgage product rules. RESIDENCY: Must currently live in a grant-eligible neighborhood AND have lived in that grant-eligible area for at least 12 months prior to entering purchase agreement. PURCHASE: Must purchase a home located within a grant-eligible neighborhood (does not need to be the same neighborhood, but must be on the eligible-neighborhood list - see Live Baltimore map). Owner-occupied primary residence. Must complete homeownership counseling with a Baltimore City-approved agency and obtain certificate. Must work with a Live Baltimore-approved lender. Income limit per Live Baltimore guidelines (~$132,000 household). Maximum purchase price ~$667,000 (FHA Baltimore MSA loan limit). Eligible to first-time and repeat buyers (program is designed for renters, not strictly FTHB).

Nililimitahan ng Buy Back the Block ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income limit per Live Baltimore BBB guidelines, approximately $132,000 (household, all earners). Verify current eligibility on Live Baltimore eligibility quiz. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Buy Back the Block ang presyo ng pagbili sa $731,400. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, Rowhouse, Condominium, at 2-4 unit owner-occupied. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Buy Back the Block ang mga bibili ng bahay sa Baltimore, Maryland. Tinutukoy ng programa ang mga partikular na lugar: RACIAL/GEOGRAPHIC ANTI-DISPLACEMENT TARGETING: Eligible neighborhoods are designated by Baltimore City Department of Planning based on historical Black-majority + middle-neighborhood / disinvestment criteria. Initial 15 neighborhoods (2022 launch) included Druid Heights, Penn North, Park Heights, Sandtown-Winchester, Reservoir Hill, etc. EXPANDED in 2024-2025 to 120+ neighborhoods covering broad swaths of West, East, and Northwest Baltimore. Buyer must currently live (12+ months) in an eligible neighborhood AND purchase within an eligible neighborhood. Live Baltimore publishes interactive eligibility map at livebaltimore.com/bbb/.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Buy Back the Block, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Take Live Baltimore's BBB eligibility quiz at livebaltimore.com/bbb. Approved buyers work with Live Baltimore-approved lender; grant disbursed at closing. First-come, first-served while ARPA funds remain. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.