You may be eligible for a substantial incentive of up to $10,000 through the Baltimore City Home Owner Incentive Program when purchasing this home. See additional details at the end of the remarks. Characteristic of the Baltimore front porch, the stoop entry ushers you into this 1,965+ sqft brick Federal style rowhome in the desirable Waverly community in the city. A welcoming entry alcove invites you inside to find stunning hardwoods with inlays, an iconic exposed brick wall, a full site line of an open concept main level, a sun filled living room with double windows, an open dining room, and an upgraded kitchen. The stylish remodeled kitchen features ceramic tile flooring, raised frame wood cabinetry, stainless steel appliances including gas cooking, a double sink, and a backdoor to the fenced rear courtyard. The finished lower level offers a rec room adding to the entertainment venues, extra storage, and a separate laundry. During the renovations, there were new electrical, plumbing and mechanical systems put in place, and a new roof [8/23]. Close to shopping, commuter routes, Johns Hopkins and Loyola Universities, Union Memorial, Museums, and convenient to downtown Baltimore, including fine dining, nightlife, parks, and entertainment.

The Office of Homeownership offers a variety of incentive programs to homebuyers purchasing in Baltimore City. These incentives can make buying a home more affordable by lowering your closing costs and boosting your downpayment.
All incentives require homeownership counseling from a City-approved homeownership counseling agency within one year before writing an offer on a home, and a minimum $1,000 investment from the homebuyer's own funds towards the purchase of the property.
All incentives are provided as five-year forgivable loans except for Live Near Your Work, which is offered as a grant.  Please note that homeownership incentive checks are generally issued 10-15 business days after applications are approved. Unexpected delays related to the COVID-19 pandemic may also occur.
Baltimore City Employee Homeownership Program - $5,000 or $10,000 for employees of City and quasi-City agencies who have been employed for at least six months. For a limited time employees purchasing in 205 of the City's most affordable neighborhoods will receive a doubled incentive of $10,000. For an eligibility map and more information see fact sheet.  Incentive Enhancement available through September 2024.

Buying Into Baltimore - $5,000 awarded by lottery to people who attend a Live Baltimore Trolley Tour and meet other conditions.

First-Time Homebuyers Incentive Program - Formerly known as the CDBG Homeownership Assistance Program, this program has been rebranded and revamped! For applications submitted on or after May 1, 2022, the base incentive amount is $10,000 for first-time homebuyers with a household income at or below 80% of the area median income. Current income limits are shown in the table below.

Household Size