Locations listed in HomeBase: MD, Baltimore City, BVRI- or UPLIFT-funded properties in designated areas

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Reinvest Baltimore Down Payment Assistance Program

Neighborhood Housing Services of Baltimore

Up to $20,000

Up to $20,000 toward down payment and closing costs on a qualified Reinvest Baltimore home, forgiven over five years.

Forgivable loan

Locations listed in HomeBase: MD, Baltimore City, BVRI- or UPLIFT-funded properties in designated areas

This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.

How and when you repayNo monthly payment or interest; 20% is forgiven for each year you keep the home as your primary residence, so the balance reaches zero after five years.

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.

See possible fitCompare

Visit official program site ↗

Applications never run through HomeBase.

Who can apply

About you

Complete a homebuyer workshop and one-on-one counseling before making an offer.
Use a fixed-rate mortgage from an NHS-approved, federally insured lender.
The program is not limited to first-time homebuyers and has no household income limit.

The home

Purchase a property approved for this program; a Baltimore City address alone is not enough.
Occupy the home as your primary residence.
Contribute at least $1,000 to the purchase.
Sell any currently owned home before settlement, if applicable.

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

Conditions

Buy and occupy an eligible BVRI- or UPLIFT-funded property in a designated area, complete counseling, and use a fixed-rate mortgage; cash and owner financing are excluded.

Documents needed

60 days of pay stubs
60 days of bank statements
Two years of tax returns and W-2s
Mortgage pre-approval
Executed purchase agreement
Homebuyer Education certificate

Reader request

Want us to check this program?

Ask HomeBase to re-check Reinvest Baltimore Down Payment Assistance Program’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.

What can I combine this with?

Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.

Show what stacks with Reinvest Baltimore Down Payment Assistance Program(12 to check)

Worth asking about(12)

No published rule either way. One phone call settles it — and the answer can be worth thousands.

AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
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 Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
APG Federal Credit Union 80/20 MortgageAPG Federal Credit Union
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 published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
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 Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Apple FCU First-Time Home Buyer MortgageApple Federal Credit Union
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Atlantic Union Bank Closing the Gap LoanAtlantic Union Bank
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Chenoa Fund Down Payment AssistanceCBC Mortgage Agency
Second-mortgage down-payment assistance for qualifying borrowers through approved lenders, with repayable and forgivable FHA options generally offering 3.5% or 5%.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Chenoa Fund Down Payment Assistance.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Chenoa Fund DPA Edge Soft Second product for FHA loansChenoa fund
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Chenoa Fund DPA Edge Soft Second product for FHA loans.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Clover Capital Community Hero’s Compassion ProgramClover Capital Mortgage and Clover Capital Homes
Eligible military members, teachers, first responders, healthcare workers and union members may receive 0.5% toward closing costs or prepaids, plus another 0.5% when also using the affiliated real-estate service.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Clover Capital Community Hero’s Compassion Program.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Community Partners ProductFederal Home Loan Bank of Atlanta
Up to $20,000 through participating FHLBank Atlanta members for eligible public-service, military, veteran, and essential-worker homebuyers.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Community Partners Product.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high..

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high..

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
CrossCountry Mortgage CCM ZeroDownCrossCountry Mortgage
FHA first mortgage plus a 3.5% or 5% second lien; the 5% option may cover some closing costs.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at CrossCountry Mortgage CCM ZeroDown.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026Educational Systems Federal Credit Union
An eligible Educational Systems FCU member who applies online for a purchase or refinance mortgage by December 31, 2026 may receive up to $2,500 in lender closing-cost credits.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Educational Systems FCU $2,500 Mortgage Closing-Cost Credit — 2026.

Can it be used on the same purchase as Reinvest Baltimore Down Payment Assistance Program (Neighborhood Housing Services of Baltimore)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  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?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.

Check everything you’re bringing to closing — gifts, seller credits, employer help →

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