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Baltimore County Closing Cost and Down Payment Programs
First Time Home Buyer
Baltimore County
Closing Cost Assistance
Down Payment Assistance
Closing Cost and Down Payment Programs Settlement Expense Loan Program The Settlement Expense Loan Program (SELP) provides assistance to low and moderate income, first-time homebuyers. The County can lend up to $10,000 to income-eligible purchasers to help pay down payment and closing costs required in the purchase of an existing home within the designated Community […]

Closing Cost and Down Payment Programs

Settlement Expense Loan Program

The Settlement Expense Loan Program (SELP) provides assistance to low and moderate income, first-time homebuyers. The County can lend up to $10,000 to income-eligible purchasers to help pay down payment and closing costs required in the purchase of an existing home within the designated Community Conservation Areas of Baltimore County.

Assistance from SELP is in the form of a deferred loan that is forgivable if the homeowner occupies the property as their principal residence during the period of affordability as required by the HOME Investment Partnerships Act regulations. The period of affordability is 15 years.

How to Apply

You must first attend a First Time Home Buyers Workshop. Call 410-887-3124 for a schedule of Workshops and their locations.

After attending the workshop, you must also make an appointment for individual financial counseling with a housing counselor. This will all be explained at the Home Buyers Workshop. You are not eligible for a SELP loan if you already have a signed contract to buy a house.

Housing Counseling Affiliates

Candidates can apply for either SELP through Baltimore County’s housing counseling affiliates:

Belair-Edison Neighborhoods, Inc (BENI) provides free homebuyer education (workshops) and counseling.
Address: 3412 Belair Road, Baltimore, Maryland 21213
Phone: 410-4858422
Fax: 410-4850728

Diversified Housing Development, Inc. (DHD) provides free homebuyer education (workshops), homebuyer counseling and foreclosure counseling.
Address: 8025 Liberty Road, Windsor Mill, Maryland 21244
Phone: 410-496-1214
Fax: 410-496-9352

Eastside Community Development Corporation, Inc. provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling and foreclosure counseling.
Address: Eastpoint Mall, 7835 Eastern Avenue, Suite 302, Baltimore, Maryland 21224
Phone: 410-284-9861
Fax: 410-284-9864

Harbel Housing Partnership provides free homebuyer education (workshops), homebuyers counseling and counseling to senior homeowners and renters.
Address: 5807 Harford Road, Baltimore, Maryland 21214
Phone: 410-444-9152
Fax: 410-444-9181

St. Ambrose Housing Aid Center provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling, foreclosure counseling and legal assistance to low income and senior residents of Baltimore County.
Address: 321 East 25th Street, Baltimore, Maryland 21218
Phone: 410-366-8550
Fax: 410-366-8795

The Maryland Mortgage Program (MMP) provides assistance through its Down payment and Settlement Expense Loan Program (DSELP) provided the applicant has been approved for a Community Development Administration (CDA) loan.
Phone: 800-638-7781
Email: SingleFamilyHousing@dhcd.state.md.us

Staff Contact

Marcia Williams
Phone: 410-887-6055
Email: mdwilliams@baltimorecountymd.gov

Visit The Baltimore County Department of Planning website.

Revised January 30, 2017