Maryland Housing Rehabilitation Program (Special Loans)

Maryland DHCD

Available Home Repair

About This Program

Maryland Housing Rehabilitation Program (Special Loans) is available to homeowners in Baltimore, MD.

State loan program providing up to $50,000 at 0%-6% interest for critical health and safety repairs and code compliance. Deferred payment options available for very-low-income families at or below 50% of area median income.

Interest rate 0%-6% based on ability to pay; 30-year max term; deferred payments possible

Verified against Maryland DHCD'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 up to $50,000 or 110% of home equity, whichever is less
  • Interest rates from 0% to 6% based on ability to pay
  • Maximum 30-year loan term
  • Deferred payments available for families under 50% AMI
  • Covers foundation, electrical, plumbing, HVAC, and code compliance

How to Apply

Get free help applying Visit Official Program Page Track this program

301-429-7564

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).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • 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.

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Frequently asked questions

How much can Maryland Housing Rehabilitation Program (Special Loans) provide in Baltimore, MD?

Up to $50,000.

Who qualifies for Maryland Housing Rehabilitation Program (Special Loans) in Baltimore?

Maryland Housing Rehabilitation Program (Special Loans) is open to homeowners in Baltimore, MD. It prioritizes low-income households.

How do I apply for Maryland Housing Rehabilitation Program (Special Loans) in Baltimore, MD?

Apply directly with Maryland DHCD using the official program link on this page or call 301-429-7564. 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

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