Rehabilitation and Repairs

DHCD helps eligible low- and moderate-income applicants finance home improvements including the repair and replacement of roofing, heating, plumbing and electrical systems, and disability accessibility modifications. Assistance for repairs is mainly in the form of loans, some of which may be forgivable or deferred based on eligibility. Grants may be available for lead and disability accessibility, based on eligibility.

Assistance is available only for eligible owner-occupied properties.

Rehabilitation Services operates the following programs:

Accessible Homes for Seniors Grant and Loan Program Loans and grants to assist homeowners make accessibility-related improvements.

Deferred Loan Program Deferred loans to assist homeowners correct major housing deficiencies and serious health, code and safety issues.

Emergency Roof Repair Program Forgivable loans for roof repair or replacement to homeowners who are aged 62 and older or who have disabilities.

Energy Savings Loan Program Deferred loans to assist homeowners make their homes more energy-efficient.

Home Preservation Program Deferred loans to assist homeowners correct major housing deficiencies and serious health, code and safety issues.

Lead Hazard Reduction Grant and Loan Program Loans and grants to assist homeowners and landlords lessen the risk of lead poisoning.

Maryland Housing Rehabilitation Program Below market-rate and deferred loans to homeowners and landlords correct major deficiencies and serious health, code and safety issues.

Who is eligible?

Applicants must prove ownership of the housing unit and meet the income guidelines listed below.

Income Guidelines

Number of People
in Household
Max Annual
Income
1 $50,350
2 $57,550
3 $64,750
4 $71,900
5 $77,700
6 $86,400
7 $98,750
8 $111,850

How do I apply?

Complete a pre-application and send it to:

LIGHT Intake & Assessment Unit
2700 N. Charles Street, Suite 201
Baltimore, MD 21218

If you have any questions, please contact us at (410) 396-3023.