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Buying Into Baltimore

Quick answer

Buying Into Baltimore is a Maryland down payment assistance program from Baltimore City Department of Housing & Community Development (DHCD) with Live Baltimore. It provides $5,000 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

Awarded by lottery; requires attending a Live Baltimore Trolley Tour; most DHCD incentives are loans forgiven after 5 years (specific terms not stated for this program); 60 remaining as of 10/19/2026.

Where does Buying Into Baltimore apply?

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

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

How does Buying Into Baltimore 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, according to Baltimore City Department of Housing & Community Development (DHCD) with Live Baltimore.

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

not stated

Sources

Data last updated October 25, 2026.

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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.