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Baltimore City Employee Homeownership Program
Baltimore City Department of Housing


Marva Allette
Baltimore City Office of Homeownership 417 E. Fayette St.
Baltimore Maryland 21202

Program Overview

Baltimore City Employee Homeownership Program is a program designed to assist employees of the City of Baltimore to become homeowners within the City limits. Eligible neighborhoods within Baltimore City limits.

Property Eligibility Requirements

Property must be located in Baltimore City in an eligible neighborhood. INELIGIBLE neighborhoods include: Bellona-Gittings, Blythewood, Canton, Cedarcroft, Cross Keys, Evergreen, Federal Hill, Guilford, Hunting Ridge, Homeland, Homeland-Gallagher, Kernwood, Keswick, Lake Evesham, Loyola, Mount Washington, North Roland Park, Otterbein, Original Northwood, Roland Park, Rosebank, Sabina-Mattfeldt, Ten Hills, The Orchards, Tuscany-Canterbury, and Wyndhurst.

The sales price cannot exceed $ 417000.

Benefit Details

Mortgage loan may not exceed $417,000. Buyer must contribute at least $1,000 towards purchase and must use the property as the principal residence. Closing on the property must occur within 90 days of the contract date. Only one City employee per household may receive assistance. $3,000 down payment and closing assistance with no annual income limits. An additional $750 is given for homes purchased in Healthy Neighborhoods target blocks.

Benefit: Loan is forgivable over 5 years, reducing 20 percent for each year of occupancy.
Loan Term:5 years years
Homebuyer Counseling /
Education Required:
Owner Occupancy Required:Yes

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For more information about this and other homebuyer programs please contact one of the following:

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