How It Works Top Employers For HR Teams FAQ Check Your Eligibility

Your employer may give you up to $19,500 to buy a home in Baltimore

147 Baltimore employers participate in Live Near Your Work — a program that gives grants (not loans) toward your down payment and closing costs. Most buyers get in for about $1,000 out of pocket.

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Participating Employers
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Maximum Grant
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Typical Out of Pocket
Check What You Qualify For → I'm an HR professional →

Baltimore's Biggest Homebuyer Grants

These employers offer the largest LNYW grants. All 147 participating employers are searchable on our interactive map.

Up to $19,500
LifeBridge Health
The largest verified LNYW grant in Baltimore. Includes Sinai Hospital, Northwest Hospital, and affiliates.
Up to $17,000
Johns Hopkins University & Health System
Baltimore's largest employer. Tiered grants ($5K/$10K/$17K) based on designated neighborhoods.
$18,500
University of Maryland, Baltimore
Grant for full-time faculty and staff in designated neighborhoods.
$10,000
Kennedy Krieger Institute
Available to full-time employees purchasing in Baltimore City.
$7,500
CFG Bank / Neuberger Quinn
Local employers investing in Baltimore homeownership for their staff.
$5,000
Exelon / BGE
Major utility employer. Grant available for full-time employees purchasing in Baltimore City.
See all 147 employers on the interactive map →

How to Buy a Home for ~$1,000

1

Check Your Employer

Search our database of 147 participating employers to see if yours offers a homebuying grant. Takes 10 seconds.

2

Complete Homebuyer Counseling

Attend a free HUD-approved homeownership counseling session. Required for most programs. We'll connect you with an approved counselor.

3

We Run the Numbers

We calculate your total assistance — employer grant, city match, and state down payment assistance through the Maryland Mortgage Program. Every buyer's situation is different.

4

Move Into Your New Home

Your employer grant + city match + down payment assistance = most buyers close for about $1,000 out of pocket.

Start Step 1 — Check Your Employer →

See the Math

Example: Hopkins employee buying a $250,000 home
Hopkins LNYW Grant $17,000
State Match $2,500
MMP Down Payment Assistance (5%)* $12,500
Total Assistance $32,000
* MMP requires 640+ credit score. Not all buyers will qualify. We verify your eligibility in one call.

Every buyer is different. We run the exact numbers for your situation — free, in one call.

Call (443) 277-5809 Schedule a Free Consultation

For HR & Benefits Professionals

Make it easy for your employees to use the LNYW benefit. Here are ready-made resources you can share today.

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Email Template

A pre-written email you can send to your department today. Customize the company name and grant amount.

Subject: Did you know? [Company] offers up to $[amount] toward buying a home Hi team, As part of our benefits, [Company] participates in Baltimore's Live Near Your Work program. Eligible employees can receive a grant of up to $[amount] toward the down payment and closing costs of a home purchase in Baltimore City. This is a grant — not a loan. You don't pay it back. To check your eligibility and see how much you may qualify for, visit: baltimoreliveandwork.com Questions about the mortgage side? Our recommended resource is available at (443) 277-5809 — they specialize in helping Baltimore employees navigate these programs and can tell you in one call exactly what you qualify for. [Your name]
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Slack / Teams Message

A shorter version ready to paste into your team's chat channel.

Hey team — did you know [Company] offers up to $[amount] to help you buy a home in Baltimore? It's a grant, not a loan. Check what you qualify for: baltimoreliveandwork.com
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Schedule a Lunch & Learn

We offer free 30-minute homeownership sessions for your team. Covers the LNYW grant, city programs, and what employees actually qualify for. High attendance — employees find out about money they didn't know existed.

Schedule a Session →

Questions? Call (443) 277-5809 or email for support.

Frequently Asked Questions

Yes. Live Near Your Work grants are exactly that — grants, not loans. Your employer contributes toward your down payment and closing costs, and Baltimore City matches a portion. You don't pay it back as long as you occupy the home (typically 3–5 years).

It depends on your employer. Grants range from $2,000 to $19,500. LifeBridge Health offers up to $19,500, Johns Hopkins up to $17,000, and 145 other employers participate. Check our map to see your employer's grant amount.

There's no catch. You need to: (1) work for a participating employer, (2) buy a home in Baltimore City (some employers designate specific neighborhoods), (3) complete a homebuyer counseling session, and (4) contribute $1,000 of your own funds. That's it.

No. Programs are available for credit scores as low as 580. We work with buyers across the credit spectrum and can tell you in one call what you qualify for.

Yes. The LNYW grant stacks with the Maryland Mortgage Program (MMP), which can provide up to 5% additional down payment assistance. We calculate the full picture for every buyer.

We've made it easy. Scroll to our For HR Teams section for ready-made email templates and Slack messages you can send today. We also offer free 30-minute sessions for your team.