Our financing professionals will work with you to
determine a solution that best fits your budget. In addition, our professions
will introduce you to City, State and employer buyer incentive programs
that may help you with your purchase or closing costs.

Homebuyer Assistance and Credit Programs

Contact specific program for details and eligibility.

Johns Hopkins Live Near Your Work Program - Full-time employees of Hopkins may qualify for grants up to $17,000 for down payment and closing costs

Vacants to Value Booster Program — Benefit from $10,000 in down payment and closing cost assistance when buying formerly vacant, renovated houses.

Buying into Baltimore — Live Baltimore offers $5,000 incentive toward down payment and closing costs. Buyer required to attend home buying workshops.

Live Near Your Work — A program offered by the City of Baltimore that matches participating employers up to $2,500. Over 80 employers are currently enrolled in this program.

Community Development Block Grant — For first time home buyers with total family income at or below 80% of the area median income.

Baltimore City Employee Homeownership Program — City employees with 6 months experience are eligible for $5,000 in down payment and closing cost assistance when purchasing first home. Houses up to $417,000 are eligible with no annual income limits.

Historic Tax Credits — A city-offered incentive program that freezes property tax at the current assessed value and prevents increases for 10 years, saving owners thousands of dollars. (CHAP)

Maryland CDA Programs — Mortgages, down payment, and closing cost assistance available through State of Maryland approved mortgage lenders.