Resources for Homeowners

DHCD is dedicated to helping homeowners and landlords make repairs to their homes to address emergencies, code violations, and health and safety issues. Our programs help eligible low- and moderate-income applicants finance home improvements including the repair and replacement of roofing, heating, plumbing, and electrical systems, energy efficiency measures, lead hazard reduction, and disability accessibility modifications.

Emergency Mortgage & Housing Assistance Program

Assists Baltimore City homeowners whose homes are at risk of foreclosure due to economic hardship related to the COVID-19 pandemic. 


Energy efficiency improvements that lower utility bills and make homes safer and more comfortable. Available for eligible owner-and tenant-occupied properties. 

Housing Rehabilitation and Repairs 

Repairs that address emergencies, code violations, and health and safety issues for owner-occupied properties. Available only for eligible owner-occupied properties. 

Lead Hazard Reduction

Lead remediation for eligible owner- and tenant-occupied properties. The household must include a pregnant woman or a child under 6. Available for eligible owner-and tenant-occupied properties. 

To apply for any of the above services, apply online or complete the pre-application form and send it to:

LIGHT Intake & Assessment Unit
417 East Fayette Street, Suite 1125
Baltimore, MD 21202

or email us here:

LIGHT assists Baltimore City residents in obtaining and coordinating the delivery of a variety of no- and low-cost services to help them become more self-sufficient, safer, more stable and healthier in their homes.  LIGHT Coordinators conduct assessments and screen clients for a range of needs and then match client needs and eligibility with available services (including energy-efficiency/weatherization, home rehabilitation, lead hazard reduction). 

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

Tax Sale Prevention

DHCD’s Tax Sale Services Coordination and Prevention division assists homeowners in avoiding tax sale and in understanding and navigating the tax sale process