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Find similar grantsFirst-Time Homebuyers Incentive Program (Baltimore City) is sponsored by Baltimore City Department of Housing and Community Development. This program provides down payment and closing cost assistance to eligible first-time homebuyers purchasing a home in Baltimore City.
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Homeownership Incentives | Baltimore City What is the Homeownership Incentives Program? Baltimore has a program to help people buy homes in the city. This program gives money to homebuyers to make it cheaper to buy a house.
It can help by reducing the costs you pay when closing on the house and by giving you extra money for a down payment. To get these benefits, you need to take a homeownership class from a City-approved homeownership counseling agency within a year before you try to buy a home. You also need to put at least $1,000 of your own money towards the house.
Most of the money is given as loans that you don’t have to pay back if you stay in your home for five years. However, there is one program called Live Near Your Work that gives money as a grant, which you don’t have to pay back. Below is general information about our Incentives.
If you have questions or need help, you can email DHCD. Homeownership@baltimorecity. gov or call 410-396-3124 .
Funding for incentives is planned each year based on the City’s fiscal calendar, which runs from July 1 to June 30. The chart below shows how many incentives or how much funding is still available for each program. Incentives are given out on a first-come, first-served basis.
Make sure your settlement date is at least 30 days after you submit your application to allow enough time for processing. Application Portal Registration and Sign-In Instructions FTHIP Incentives Calculator Baltimore City Employee Homeownership Program $5,000 or $10,000 for employees of City and quasi-City agencies who have been employed for at least six months.
First-Time Homebuyers Incentive (FTHIP) Eligible first-time homebuyers at or below 80% of the area median income could receive 50% of the required down payment, GAP funding to reduce the loan balance and an Interest Rate Buydown up to 2. 5%. An additional $5,000 bonus is available in certain circumstances.
Learn More $5,000 awarded by lottery to people who attend a Live Baltimore Trolley Tour and meet other conditions. This partnership with participating employers encourages homeownership near places of employment. The City matches employers' contributions between $1,000 and $2,500, for total incentives of $2,000-$5,000+, depending on the employer.
Baltimore City offers a $10,000 Vacants to Value Booster to help people buy and fix up homes that have been vacant for at least a year. To get the money, the home must have had a Vacant Building Notice for at least one year before a developer fixed it up or before a new owner bought it to renovate. You must show a Certificate of Occupancy when you apply.
Important Details to Provide If you're applying for an incentive program, remember that you need to provide the Title Company’s Employer Identification Number (EIN) number so your application can be processed. You can find where to enter this number in the Neighborly Application portal under (H. Closing Information) in the application.
If you don’t include this number, your application can’t be processed. Please remember that checks for homeownership incentives usually take 10 to 15 business days to be sent out after your application is approved. It's a good idea to plan ahead and send in your application as early as you can, but make sure to do it at least thirty days before the closing date of your home.
Available Incentives or Remaining Fundings (Number of incentives or amount of funds ) Baltimore City Employee Homeownership Incentive 100 (Apply after participating in a Live Baltimore Trolley tour.) 8 First-Time Homebuyers Incentive $1,000,000 Vacants to Value Booster 64
According to the current listing, eligibility includes: First-time homebuyer; household income at or below 80% AMI; purchase home in Baltimore City; must live in the home as primary residence; contribute at least $1,000; complete a homeownership counseling certificate. Confirm the full requirements in the official notice before applying.
The current listing shows $10,000 to $20,000+ (dependent on income, closing costs, and home sales price), plus a potential $5,000 bonus. Verify award ceilings, matching requirements, and allowable costs in the official notice.
First-Time Homebuyers Incentive Program (Baltimore City) is funded by Baltimore City Department of Housing and Community Development. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Community Resilience Centers Round 2 IMPLEMENTATION Grant (FY 26-27) is sponsored by California Strategic Growth Council (SGC). The Community Resilience Centers Program funds planning, development, construction, and upgrades of local facilities to serve as Community Resilience Centers, providing shelter and resources during climate and other emergencies. It also funds ongoing year-round community services and programs that build overall community resilience. Eligible activities include pre-development, facility construction and retrofits, campus amenities, community resilience services and programs, and partner sites.
ARC Annual Area Development Grant is sponsored by Alabama Department of Economic and Community Affairs (ADECA). The ARC Annual Area Development Grant funds science-based economic and community development projects in Appalachian Alabama counties to boost growth and innovation. ARC invests in activities that address entrepreneurial and business development strategies, increasing education, knowledge, skills, and health of residents, critical infrastructure, leveraging natural and cultural heritage assets, and building the capacity and skills of current and next-generation leaders and organizations.
Appalachian Regional Commission (ARC) Annual Area Development Program is sponsored by Appalachian Regional Commission (administered by Alabama Department of Economic and Community Affairs - ADECA). The ARC funds projects that address economic growth and improve the quality of life in the Appalachian region. Randolph County, Alabama, is part of the ARC region and eligible for funds.
On October 20, 2026 the Home Depot Foundation committed $1 billion through 2032 to homeless and at-risk veterans, replacing its $750 million by 2030 pledge. The money flows through invited national partners and a Veteran Housing Grants program that pays $100,000 to $500,000 in hard costs, capped at 50 percent of development cost, with priority for ten large cities. What changes for housing developers, repair programs and landlord-incentive nonprofits.
Read articleRound three of the County Infrastructure Grant Program opened October 16, 2026 with $76 million, a $1.5 million cap for projects supporting 10 or more new homes, and a February 5, 2027 application deadline. The 50 percent non-ESD match and the mandatory letter of intent are the real filters.
Read articleBloomberg Philanthropies announced $450,000 to $750,000 grants to up to 30 city halls on October 15, 2026, naming the first 15. The recipient is a municipal government, not a nonprofit, the models come from San Diego, Austin and Atlanta, and Portland, Maine may decline because it already did the work.
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