Home Buying Incentives — Baltimore

Baltimore City offers several primary programs that address different buyer needs, many of which can be "stacked" to maximize total assistance.

In 2026, Baltimore remains one of the most accessible major metropolitan markets for first-time buyers, bolstered by a robust ecosystem of financial incentives designed to bridge the gap to homeownership. These programs, ranging from city-wide grants to employer-sponsored matches, are central to the city’s strategy for neighborhood revitalization and increasing Black homeownership rates. Core City-Wide Incentives baltimore home buying incentives

This is the city’s flagship offering, typically providing between $10,000 and $20,000 for down payment and closing costs. It is targeted toward low-to-moderate-income buyers earning at or below 80% of the Area Median Income (AMI). Baltimore City offers several primary programs that address

Awarded via a lottery following the Live Baltimore Trolley Tour events, this program provides a $5,000 incentive for homes anywhere in the city. Core City-Wide Incentives This is the city’s flagship

Navigating Baltimore’s Home Buying Incentives: A Path to Urban Ownership

To encourage the rehabilitation of the city's vacant housing stock, this program offers $10,000 to buyers purchasing formerly vacant homes that have been renovated. Leveraging Professional and Institutional Partnerships