DPA Finder
Menu
Information only. Not a lender or agency. Disclosures

Baltimore County Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in Baltimore County, checked against the official page.

Baltimore County down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Settlement Expense Loan Program (SELP)Up to $10,000Forgivable loanRequiredNot statedNot statedOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Settlement Expense Loan Program (SELP)

Forgivable loan

Baltimore County Department of Housing and Community Development

Amount
Up to $10,000
First-time buyer
Required
Status
Offered

Deferred loan, forgivable if you live in the home through the affordability period. Only for existing homes in designated Community Conservation Areas. Apply through a county housing counseling agency before signing a contract.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in Maryland

Statewide help in Maryland

You may also qualify for 1 statewide Maryland program. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for Maryland How to apply

Compare these programs · AMI / income limits · All Maryland programs

HUD-approved homebuyer counselors in Maryland (40)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does Baltimore County offer down payment assistance?

Yes. We list 1 local program checked against official pages: Settlement Expense Loan Program (SELP) from Baltimore County Department of Housing and Community Development (Up to $10,000).

Do I have to be a first-time homebuyer for Baltimore County assistance?

The official pages state: Settlement Expense Loan Program (SELP): Required.

How does Settlement Expense Loan Program (SELP) work?

Deferred loan, forgivable if you live in the home through the affordability period. Only for existing homes in designated Community Conservation Areas. Apply through a county housing counseling agency before signing a contract.

Can I combine Baltimore County assistance with statewide Maryland programs?

Sometimes. Maryland also has 1 statewide program listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

Free down payment aid updates

New, changed and closed down payment assistance programs, from official sources. Free. Unsubscribe anytime.