There are a number of homebuyer incentives available in Baltimore and Maryland not all income-based, and different ones at different income levels- including up to some fairly high levels. I suggest you start at Live Baltimore, they have them all listed. Also choose a lender who can help you work through which ones make sense- in my case it was cheaper to go with a private mortgage with a lower rate, rather than the state program I qualified for where even with the incentive, the higher loan rate offset it. Lots of variables, and working with a trusted lender will help you sort out what's right for you.