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Baltimore Vacants to Value Booster: $10,000 toward down payment and closing costs when buying an eligible Baltimore property connected to a long-standing Vacant Building Notice and rehabilitation pathway. | HomeBase
From Baltimore City Department of Housing and Community Development
Key requirements to check
The property must have been subject to a Baltimore City Vacant Building Notice for at least one year before developer rehabilitation or sale to a buyer using an acquisition-and-rehabilitation loan.
A Certificate of Occupancy must be submitted with the application.
Other requirements and exceptions still need checking below.
Program maximum, not a promised award
$10,000
$10,000 toward down payment and closing costs when buying an eligible Baltimore property connected to a long-standing Vacant Building Notice and rehabilitation pathway.
Forgivable loan
Coverage not confirmed
Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.
Check current funding before making plans.
A participating provider can confirm availability. No funds are reserved here.
Funding limited at last check
Confirm the current terms and whether applications are being accepted.
See which household details and program rules still need checking. No account needed.
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Location rule and boundary evidence
Where the reviewed rules apply
No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.
No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.
What would paying it back look like?
The $10,000 incentive is a five-year forgivable loan. It supports the purchase of a qualifying formerly vacant property that has been rehabilitated or will be renovated with an acquisition-and-rehabilitation mortgage.
These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.
Could this be a fit for me?
Start with the recorded requirements. Unknown information stays unknown; the program makes the final decision.
A program-specific household income table has not been confirmed here. Do not assume that there is no income limit.
Who can apply
About you
Homeownership counseling through a City-approved agency is required before making an offer.
There is no stated household income restriction and the program is not limited to first-time buyers.
The home
The property must have been subject to a Baltimore City Vacant Building Notice for at least one year before developer rehabilitation or sale to a buyer using an acquisition-and-rehabilitation loan.
The buyer must contribute at least $1,000 and occupy the home as a primary residence.
How to apply
A Certificate of Occupancy must be submitted with the application.
The application must be approved before closing, and fixed-rate financing is required.
Applications never run through HomeBase. This is not an eligibility decision. Published amounts are limits, not promised awards.
Documents needed
City-approved counseling certificate
Program property-eligibility confirmation
Vacant-building and rehabilitation documentation
Purchase contract and fixed-rate mortgage approval
Proof of at least $1,000 buyer contribution
What can I combine this with?
Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.
Review possible combinations with Baltimore Vacants to Value Booster(12 to check)
Worth asking about(12)
No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.
$5,000 toward down payment and closing costs, awarded by lottery after an eligible buyer completes a Live Baltimore Trolley Tour and the required post-event purchase steps.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Per Baltimore City DHCD (Vacants to Value / B-HiP flyer): "From Vacants to Value Booster to Live Near Your Work to Buying Into Baltimore, there's an incentive for everyone. What's also nice about B-HiP is that eligible homebuyers can layer incentive programs."
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:buying-into-baltimore+baltimore-vacants-to-value-booster
Here’s the question to ask →
Hello — I'm a homebuyer looking at Buying Into Baltimore.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A first mortgage for first-time buyers with down payment assistance of 3–5% or $6,000.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Per Baltimore City DHCD (Vacants to Value / B-HiP flyer): "The State of Maryland offers an array of homeownership incentives for home buyers using the Maryland Mortgage Program... These and other State incentives can be layered with City incentives."
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:mmp-1st-time-advantage-incl-6000-3-4-5-dpa+baltimore-vacants-to-value-booster
Here’s the question to ask →
Hello — I'm a homebuyer looking at MMP 1st Time Advantage (incl. 6000, 3%, 4%, 5% DPA).
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Allegany County households with inadequate housing and the ability to make mortgage payments may apply to purchase a Habitat home and complete 200 sweat-equity hours. The affiliate currently provides a downloadable application and mail-in intake route.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Allegany County Habitat for Humanity Homeownership.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Annapolis MPDU Homeownership Program.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Need-based zero-interest loan up to $10,000 for an eligible MPDU purchase.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Annapolis MPDU Settlement Expense Assistance Program.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Up to $50,000 in 0% deferred assistance for down payment, settlement costs, or a mortgage write-down in Anne Arundel County.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Anne Arundel County Mortgage Assistance Program (MAP).
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Eligible first-time buyers will be able to purchase designated homes in new Anne Arundel County developments at prices calculated below market under the County MPDU program.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at Anne Arundel County MPDU Homeownership Program.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask →
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage.
Can it be used on the same purchase as Baltimore Vacants to Value Booster (Baltimore City Department of Housing and Community Development)?
Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs.
If it can:
1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other?
2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
3. Does using both change the repayment or forgiveness terms of yours?
4. Which current written rules and conditions support this answer?
Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.
Ask HomeBase to re-check Baltimore Vacants to Value Booster’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.
Questions and answers
Do you pay Baltimore Vacants to Value Booster back?
The $10,000 incentive is a five-year forgivable loan. It supports the purchase of a qualifying formerly vacant property that has been rehabilitated or will be renovated with an acquisition-and-rehabilitation mortgage.
How much does Baltimore Vacants to Value Booster provide?
$10,000 toward down payment and closing costs when buying an eligible Baltimore property connected to a long-standing Vacant Building Notice and rehabilitation pathway.
Who qualifies for Baltimore Vacants to Value Booster?
The property must have been subject to a Baltimore City Vacant Building Notice for at least one year before developer rehabilitation or sale to a buyer using an acquisition-and-rehabilitation loan.; A Certificate of Occupancy must be submitted with the application.; Homeownership counseling through a City-approved agency is required before making an offer.; The buyer must contribute at least $1,000 and occupy the home as a primary residence.; There is no stated household income restriction and the program is not limited to first-time buyers.; The application must be approved before closing, and fixed-rate financing is required..
Sources
Learn more at source — Baltimore City Department of Housing and Community Development (Program administrator), captured July 13, 2026, checked August 19, 2026
Learn more at source — Live Baltimore (Nonprofit counseling agency), captured July 13, 2026, checked August 18, 2026
