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City-sponsored DPA programs supporting buyers in the city.
Maryland · County Guide
Baltimore City First-Time Buyer Programs
Baltimore City has some of the most layered first-time buyer assistance in the country, with city programs, state programs, and targeted-area benefits for many neighborhoods.
Last updated: September 1, 2026
Programs that may apply in Baltimore City
Vacants to Value
Incentives for buyers purchasing distressed properties in qualifying neighborhoods.
Maryland Mortgage Program
State assistance that often stacks with city programs in Baltimore City.
Common buyer scenarios
- ● First-time buyer in Patterson Park stacking city + state programs
- ● Buyer using Vacants to Value to renovate in a target neighborhood
Baltimore City buyer questions
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