Homeownership & Renting

Homeownership and Renting Success Story

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 apartm​ent locator highlighting affordable units and access to programs fo​r monthly rental subsidies. Whether it’s homeownership or renting, the department wants to help you find, improve and stay in your home.

​Homeownership and Renting​ Solutions

Homeownership and Renting​ Solutions
Homeowner Assistance Fund

Homeowner Assistance Fund

The Homeowner Assistance Fund was established by the American Rescue Plan Act enacted on March 11, 2021, to help homeowners experiencing financial hardship after January 21, 2020​.​

Home Repairs and Energy Efficiency Improvements

Home Repairs and Energy Efficiency Improvements

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

Emergency Rental Assistance Program

Emergency Rental Assistance Program

Has COVID-19 affected your ability to pay rent? You m​ay be eligible for assistance with current or past due payments​.

Homelessness Solutions Programs

​Homelessness Solutions Programs

Homelessness Solutions Programs works to coordinate statewide efforts aimed at reducing the numbers of Homeless households in Maryland.​

Independent Living Tax Credit

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​.​

Affordable Rental Housing

Finding Affordable Rental Housing

An online housing locator service allows people to locate available housing that best fits their individual and family needs.​​

Resources for Homebuyers, Homeowners and Renters

Resources for Homebuyers, Homeowners and Renters​​​

Information on housing counseling and legal services for homebuyers, homeowners and renters concerning their mortgage or rent.