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COVID-19 Coronavirus Updates and Guidance

The County is taking a number of actions to keep residents safe and minimize the spread of COVID-19. Find status information for County operations and services.

Closing Cost Programs

Settlement Expense Loan Program

The Settlement Expense Loan Program (SELP) provides assistance to low and moderate income, first-time homebuyers. The County can lend up to $10,000 to income-eligible purchasers to help pay closing costs required in the purchase of an existing home within the designated Community Conservation Areas of Baltimore County.

Assistance from SELP is in the form of a deferred loan that is forgivable if the homeowner occupies the property as their principal residence during the period of affordability as required by the HOME Investment Partnerships Act regulations. The period of affordability is 15 years.

How to Apply

You must first attend a First Time Homebuyer Two-Part Class and a Workshop. 

After attending the Two-Part Class, you must also make an appointment for individual financial counseling with a housing counselor. This will all be explained at the Homebuyer Workshop. You are not eligible for a SELP loan if you already have a signed contract to buy a house.

Housing Counseling Agencies

Candidates can apply for SELP through Baltimore County’s housing counseling agencies:

Belair-Edison Neighborhoods, Inc (BENI) provides free homebuyer education (workshops) and counseling.
Address: 3412 Belair Road, Baltimore, Maryland 21213
Phone: 410-4858422
Fax: 410-4850728

Diversified Housing Development, Inc. (DHD) provides free homebuyer education (workshops), homebuyer counseling and foreclosure counseling.
Address: 8025 Liberty Road, Windsor Mill, Maryland 21244
Phone: 410-496-1214
Fax: 410-496-9352

Eastside Community Development Corporation, Inc. provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling and foreclosure counseling.
Address: Eastpoint Mall, 7835 Eastern Avenue, Suite 302, Baltimore, Maryland 21224
Phone: 410-284-9861
Fax: 410-284-9864

Harbel Housing Partnership provides free homebuyer education (workshops), homebuyers counseling and counseling to senior homeowners and renters.
Address: 5807 Harford Road, Baltimore, Maryland 21214
Phone: 410-444-9152
Fax: 410-444-9181

St. Ambrose Housing Aid Center provides free homebuyers education (workshops), homebuyer counseling, financial literacy counseling, foreclosure counseling and legal assistance to low income and senior residents of Baltimore County. 
Address: 321 East 25th Street, Baltimore, Maryland 21218
Phone: 410-366-8550
Fax: 410-366-8795

The Maryland Mortgage Program (MMP) provides assistance through its Down payment and Settlement Expense Loan Program (DSELP) provided the applicant has been approved for a Community Development Administration (CDA) loan.
Phone: 800-638-7781

Staff Contact

Marcia Williams
Phone: 410-887-6055

Revised March 7, 2017         


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