Healthy Neighborhoods Home Improvement Loan

Healthy Neighborhoods Inc.

Available Home Repair

About This Program

Healthy Neighborhoods Home Improvement Loan is available to homeowners in Baltimore, MD.

Below-market-rate home improvement loans from $5,000 to $20,000 for homeowners in designated Healthy Neighborhoods. Includes a dollar-for-dollar match of up to $10,000 for borrowers earning less than 120% of Area Median Income.

Loan at prime minus 1% (min 4%); match up to $10,000 if under 120% AMI

Verified against Healthy Neighborhoods Inc.'s official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Baltimore, MD, you can combine this program with other local help to cut your cost:

Key Details

  • Loans range from $5,000 to $20,000 for home improvements
  • Dollar-for-dollar match up to $10,000 if income under 120% AMI
  • Interest rate: prime minus 1%, minimum 4%
  • Property must be in a designated Healthy Neighborhood
  • Minimum credit score of 700 required

How to Apply

Get free help applying Visit Official Program Page Track this program

410-637-3750

A grant-savvy contractor in Baltimore, MD can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Baltimore early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Healthy Neighborhoods Home Improvement Loan provide in Baltimore, MD?

Up to $20,000.

Who qualifies for Healthy Neighborhoods Home Improvement Loan in Baltimore?

Healthy Neighborhoods Home Improvement Loan is open to homeowners in Baltimore, MD.

How do I apply for Healthy Neighborhoods Home Improvement Loan in Baltimore, MD?

Apply directly with Healthy Neighborhoods Inc. using the official program link on this page or call 410-637-3750. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Baltimore, MD contractors

Find More Programs in Baltimore, MD

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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