The Baltimore City Employee Homeownership Program is a benefit offered to full-time, permanently employed individuals paid through the Mayor and City Council of Baltimore City, or a Quasi-City Agency*. The program provides direct funding to cover settlement expenses on a residential property purchased by an employee in Baltimore City. 

Eligibility Requirements 

• The property must be located in Baltimore City
• The property must be the homeowner’s primary residence
• The homeowner must contribute a minimum of $1,000 of their own funds at settlement
• The homebuyer must receive a homeownership counseling certificate prior to submitting an offer on the property
• The mortgage amount cannot exceed the current FHA mortgage limit of $517,500 
• The mortgage must be a fixed-rate mortgage 
• The homebuyer must be a City employee in good standing on the date of settlement on the purchase of the home.
• Must apply and be approved prior to settlement.
• The employee must be named on all documents as a borrow or co-borrower.
• The property must be a single-family house, one or two dwelling units or condominium

PROGRAM CONTACT

Baltimore City Department of Housing and Community Development, Office of Homeownership
Website