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First-Time Homebuyers Incentive Program (FTHIP) is sponsored by Baltimore City Department of Housing and Community Development (DHCD). This program provides down payment and closing cost assistance to eligible first-time homebuyers purchasing a home in Baltimore City. The assistance is a 5-year forgivable loan, and the amount depends on household income, closing costs, mortgage payment, and home sales price.
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First-Time Homebuyers Incentive Program - Live Baltimore First-Time Homebuyers Incentive Program Typically $10,000 to $20,000+ down payment and closing cost assistance, 5-year forgivable loan Baltimore City homebuyers who meet income and other program requirements Complete homeownership counseling and a program application The First-Time Homebuyers Incentive Program (formerly Community Development Block Grant (CDBG) Homeownership Assistance Program) typically provides $10,000 to $20,000+ in down payment and closing cost assistance to eligible first-time homebuyers purchasing a home in Baltimore City.
The amount awarded is dependent on household income, closing costs, mont h ly mortgage payment , and home sales price. The Direct Homeownership Assistance Program provides an additional $5,000 bonus is available to homebuyers who (a) purchase the house they have rented and occupied for at least six months, or (b) have a disability or have a household member with a disability .
This program reduces the amount of money you’ll need up-front to buy your home. ELIGIBILITY & LIMITATIONS You must earn a homeownership counseling certificate from a City-approved counseling agency before making an offer on your home. This certificate is awarded only after you complete a homeownership workshop AND a counseling session.
* Homeownership certificates are valid for 12 months from the date of completion. You must live in this home as your primary residence. You must contribute at least $1,000 of your own money to your home purchase.
Your mortgage amount cannot exceed the current FHA mortgage limit of $731,400 for a single-family home. You must apply and be approved prior to closing on your home. Program funds are not retroactive.
Household income cannot exceed 80% AMI First-time homebuyers only Requires a “Housing Quality Standard” (HQS) inspection Fixed-rate mortgages only. Co-signers, cash sales, and owner-financing are not permitted. Baltimore City Department of Housing and Community Development, Office of Homeownership Have more questions about this or other Baltimore City homeownership incentives?
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According to the current listing, eligibility includes: First-time homebuyers; household income at or below 80% AMI; must complete homeownership counseling; must contribute at least $1,000; home must be primary residence in Baltimore City. Confirm the full requirements in the official notice before applying.
The current listing shows typically $10,000 to $20,000+ (down payment and closing cost assistance). Verify award ceilings, matching requirements, and allowable costs in the official notice.
First-Time Homebuyers Incentive Program (FTHIP) is funded by Baltimore City Department of Housing and Community Development (DHCD). 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.
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