Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Baltimore City Employee Homeownership Program

Quick answer

Baltimore City Employee Homeownership Program is a Maryland down payment assistance program from Baltimore City Department of Housing & Community Development (DHCD). It provides $5,000 or $10,000 as a forgivable loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

For City and quasi-City agency employees employed at least 6 months; most DHCD incentives are loans forgiven after 5 years (specific terms not stated for this program); 75 awards remaining as of 10/19/2026.

Where does Baltimore City Employee Homeownership Program apply?

This city-level program is available to buyers in Baltimore. Cities on our site where it applies:

DetailProgram terms
Assistance$5,000 or $10,000
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsnot stated

How does Baltimore City Employee Homeownership Program work with an FHA loan?

Maryland's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.baltimorecity.gov/dhcd/homeownership-incentives. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Maryland down payment assistance programs

Frequently asked questions

$5,000 or $10,000, according to Baltimore City Department of Housing & Community Development (DHCD).

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

not stated

Sources

Data last updated October 25, 2026.

Find a lender that offers Baltimore City Employee Homeownership Program

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.