The Baltimore City Special Program

The Baltimore City Special Program

The Baltimore City Special, a partnership between the Maryland Mortgage Program and Baltimore City, gives eligible homebuyers purchasing in Baltimore City $7,500 in down payment and closing cost assistance.

This short-term financial incentive is provided by Baltimore City and the state of Maryland to help working families achieve homeownership. Eligible homebuyers can take advantage of t​his assistance by purchasing their home through the Maryland Mortgage Program, which has helped thousands of families achieve homeownership and comes with the security that only the state’s flagship homeownership program can provide.

Download the Baltimore City Special Flyer

Download the Baltimore City Special Fact Sheet​

​Getting Started

If you’re ready to take advantage of this special program:

    1. Talk to a Lender – Your lender can help you confirm your eligibility for the Baltimore City Special Program and Maryland Mortgage Program and will make sure you meet all the requirements, such as attending the right Homebuyer Education Class.
 Check Your Eligibility to see whether you can apply for a Maryland Mortgage Program​ loan. Note that being eligible to apply does not guarantee approval, and lenders will take into account things like your income, credit history and employment situation when considering your application.
Complete a Homebuyer Education Class – Completing a Homebuyer Education prepares you to make the right decisions when purchasing your home.  Homebuyer Education classes are available throughout Maryland, and are provided by a range of Community and Non-Profit organizations as well as local government housing agencies.
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Homebuyer Pre-Purchase Education Taught In Howard County

Homebuyer Education


Howard County Housing, in partnership with Guidewell Financial Solutions, has designed an initiative to promote successful homeownership in Howard County, Maryland. Educational workshops and one-on-one counseling will be offered on a monthly basis to households purchasing a home in Howard County, and/or participating in Howard County Housing’s (HCH) homeownership and rental programs, including, but not limited to, the Settlement Downpayment Loan Program (SDLP) and Moderate Income Housing Unit (MIHU) program. Guidewell Financial Solutions is a HUD-approved housing counseling agency and the workshop curriculum is derived from guidelines established by the National Industry Standards for Homeownership and Counseling. Individuals and families interested in purchasing a home in Howard County are invited to attend.

Interested participants can register by emailing or calling 410-313-6328.

Please note that Howard County’s certificate for completing the counseling is not valid in Anne Arundel County, Baltimore County, Harford County or Baltimore City. If you are planning on purchasing in one of those counties, please access the Maryland Mortgage Program website at to locate the appropriate counseling agency.

More information available on the Howard County Website.

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