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Michael Braverman, DHCD Commissioner Mayor Bernard C. "Jack" Young

Maryland Housing Rehabilitation Program

What is it?

The Maryland Housing Rehabilitation Program is a state-wide program that offers below market-rate rehabilitation loans to correct health safety violations and major system deficiencies (HVAC, furnace, boilers, water heaters, etc.) on owner-occupied properties. Loans up to 110% of property value may be available to moderate-income households.

Who is eligible?

Households below 80% of Maryland state median income levels (see chart below). All Baltimore City homes and condominiums, including units with up to four dwellings, as long as the owner has title to the property and can assume new debt.

Household size Annual income

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What are the benefits?

Structural repairs promote safe and adequate living conditions for all property residents. Maryland law requires compliance with the health and building codes.

What are the loan terms?

Funding is available to qualifying households at variable interest from 0% to 6% depending on income levels.

Loan awarded must not exceed 110% of the property's fair market value, less secured debt.

Loan terms may vary up to 20 years, with deferred payments allowed for eligible applicants.

All application fees and closing cost are included in the loan amount.

How do I apply?

Download an application for assistance and a lead hazard information pamphlet or call (410) 396-3023 to have one mailed to you.

For more information about this program, contact:

Baltimore Housing
LIGHT Program
2700 N. Charles Street, Suite 201
Baltimore, MD 21218
(410) 396-3023