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​Homeownership and Renting

The Maryland Department of Housing and Community Developmen​t has programs to assist homebuyers, homeowners, and renters. For homebuyers, we offer mortgages and downpayment assistance to help your family achieve the American dream of homeownership. For homeow​ners, we provide loans and grants for home repairs and energy efficiency improvements, as well as​ resources for those at risk for foreclosure. For renters, we provide an online apartment locator highlighting affordable units and access to programs for monthly rental subsidies. Whether it’s homeownership or renting, the department wants to help you find, improve and stay in your home.

 
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​Homeownership and Renting​ Solutions

Guidance for Rental Tenants Affected by COVID-19

We are committed to helping citizens, consumers, and customers during these uncertain times. All Marylanders are facing unique challenges. Tenants in an apartment community or other rental properties may have questions and concerns, including inability to pay rent or specific health issues related to community living​.
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Guidelines for Mortgages Affected by COVID-19

We are committed to assisting our customers during these uncertain times. If you suspect you may have trouble making mortgage payments, be proactive. Reach out to your mortgage servicer (the company that processes your monthly mortgage payment) and explain your current situation to them​.
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Independent Living Tax Credit

Learn how to apply for the new Maryland state income tax credit available to residents who are renovating their home to make it more accessible​.
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Finding Affordable Rental Housing

An online housing locator service allows people to locate available housing that best fits their individual and family needs.
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Home Repairs and Energy Efficiency Improvements

Affordable loan programs and services to improve accessibility and home safety and save money on energy bills.​
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Preventing Foreclosure​

Information and Housing Counseling services for homeowners struggling with their mortgage.
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