Baltimore City offers a variety of incentive programs to homebuyers, homeowners, and renters. Each program has specific qualifications, managed by different city departments or nonprofits. If you think you qualify, contact the program administrator listed. Live Baltimore does not manage or fund any of these incentive programs, but we can help you review your options and put you in touch with the organizations that do.


The MMP helps homebuyers (HBs)  in Maryland achieve their dream of homeownership through a range of programs that make purchasing and owning a home more affordable.  T​​​​​here are three types home loan programs available to eligible HBs. Additionally, Grant Assist and Loan Assist programs offer upfront financial assistance for down payment and closing costs to help HBs meet home purchase requirements. Rate Assist programs provide low interest rate options that lower monthly payments.


Live Baltimore's Trolley Tours are homebuying incentive events. They offer participants a chance to meet with real estate experts and community organizations, take a tour of Baltimore neighborhoods, preview homes for sale, AND become eligible for $5,000 in downpayment and closing cost assistance toward the purchase of a home, anywhere in Baltimore City! Trolley Tours take place once each season of the year. Individuals who are ready to make their home purchases and apply for an incentive, as well as those just beginning to research the homebuying process, will benefit from these fun and informative events!

MD SmartBuy Program

Maryland SmartBuy helps homebuyers with qualifying student debt purchase a home. The program works by paying off student debt during the purchase of the home through special Maryland Mortgage Program (MMP) financing. Maryland SmartBuy involves the purchase of move-in-ready homes currently owned by, and available from, the state of Maryland. Maryland SmartBuy financing provides up to 15% of the home purchase price for the borrower to pay off their outstanding student debt with a maximum payoff of $30,000. 

     Jachel Smalls...  your real estate consultant for life!

  • Pinterest - White Circle
  • Facebook - White Circle
  • Instagram - White Circle