Maryland Housing Rehabilitation Program (Special Loans)

Maryland DHCD

Open Home Repair

About This Program

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

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

Deadline: Ongoing

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