They averaged 3 yrs of tax returns for me. Need proof of employment. This was in 2013, but I think I had to make under around 50-55,000 for my incentive program. It’s a little difficult, because you need to make enough to afford the mortgage, but not too much:) There are so many city AND state programs. Talk to Baltimore Housing Authority, they can help you find a program that works for you. Start the process early, it took me around 6 months: applications, credit checks, mandatory home buying class and test, loan approvals, house hunting, making offers, appraisals, inspections, and closing. Worth it to get a home with down payment and closing costs covered. It is daunting, but the program helps you through every step!