PLEASE NOTE: Beginning July 1, 2005, a housing counseling certificate from a city-approved agency is a requirement for participation in all homeownership incentive programs sponsored by Baltimore City. Housing counseling must be provided, and housing counseling certificates must be dated prior to contract of sale date for home purchases. Refinancing within five years may require repayment of forgivable loans provided through Baltimore City homeownership programs.

All information contained on this page is property of the Live Baltimore Home Center and as such may not be reproduced without the express written consent of Live Baltimore.

> American Dream Downpayment Initiative
> Baltimore City Employee Homeownership Program (BCEHP)
> Buying into Baltimore Home Buying Fair & Neighborhood Tours
> CDA Down Payment and Settlement Expense Loan Program (DSELP)
> Federal Home Loan Bank of Atlanta
> House Keys 4 Employees
> Live Near Your Work (LNYW)
> MMP +2% Grant / MMP + 3% Grant



> Baltimore's Smart Commute Initiative
> Healthy Neighborhood Initiative
> Neighborhood Housing Services of Baltimore (NHS) Loan Products
> CDA Homeownership For Individuals with Disabilities
> HUD Officer Next Door Program
> HUD Teacher Next Door Program
> CDA State of Maryland Mortgage Program
> Section 8 to Homeownership



> Project 5000/SCOPE
> Section 8 to Homeownership
> Section 32 Public Housing Homeownership Program
> Tenant Conversion Mortgage Program



> City Housing Assistance Program (CHAP)
> Deferred Loan Program
> Emergency Roof Repair Program
> HUD 203K Rehabilitation Loan Program
> Lead Hazard Reduction Grant & Loan Program (LHRGLP)
> Lead Elimination Action Project (LEAP)
> Maryland Housing Rehabilitation Services (MHRP)
> Vacant House /Single Family Construction Loan Program



> Baltimore Homeowners Emergency Loan Program (Baltimore HELP)

> Home Improvement Tax Credit
> New Construction Tax Credit 
> Rehabilitated Vacant Dwellings Tax Credit
> Station North - Arts & Entertainment Special Tax District



> Baltimore City Property Tax Credit Program
> Case Studies of Historic Tax Credit Savings
> Federal Income Tax Credit Program
> Historic Preservation Resources
> Maryland Rehabilitation Tax Credit Program



> Click here for a list of Homeownership Counselors