An affordable home loan option for families in which one of the borrowers is disabled or has a child who is disabled, or where one of the borrowers is a guardian for an immediate family member who is disabled.

The Maryland Department of Housing and Community Development owns single-family properties that may be purchased by homebuyers, non-profit organizations and public housing authorities.

Maryland WholeHome grants and loans can be used to upgrade to energy efficient appliances, repair or replace heating and cooling systems, replace insulation, add accessibility features for seniors or those with special needs, remove lead paint, upgrade plumbing, and address structural and maintenance issues.

The federal Section 8 Housing Choice Voucher Program is a rental assistance program that subsidizes the rent of lower-income families through the use of federal funds.

Housing Counseling Agencies are available around the state of Maryland to assist homeowners who are dealing with a potential foreclosure.

The Community Services Block Grant program provides a range of services designed to assist low-income people to attain the skills, knowledge, and motivation needed to achieve self-sufficiency in all of Maryland’s 24 counties through Community Action Agencies.

The Community Legacy program provides local governments and community development organizations with funding for essential projects aimed at strengthening communities through activities such as business retention and attraction, encouraging homeownership and commercial revitalization.

The purpose of the Multi-Family Bond Program is to increase the construction and rehabilitation of multi-family rental housing for families with limited incomes. Tax-exempt and taxable bonds and notes provide below-market and market rate construction and permanent financing. Taxable bonds provide market-rate construction and permanent financing to leverage federal Low-Income Housing Tax Credits, and to finance projects and activities which are ineligible for tax-exempt bonds.

Tax Credits are awarded on a competitive basis to nonprofit and for-profit sponsors of eligible housing projects. Awards are based on the criteria outlined in the State's Allocation Plan. Projects financed with tax-exempt bonds may be eligible for Tax Credits outside of the competitive process. Project sponsors, or in the case of syndication, investors claim the Tax Credit on their federal income tax return.

The Department's Rental Housing Funds are composed of a number of programs all of which aim to rehabilitate or create rental housing. Although there are specific programs for housing rehabilitation, nonprofit sponsors and elderly housing, the department allocates these funds collectively to best provide for rental housing in the State. A portion of the federal HOME moneys administered by the State also are included in Rental Housing Funds. The programs are generally designed to be compatible with tax-exempt or taxable bond financing, low-income housing tax credits, and other private or public funds.

The purpose of Rental Housing Works is to create jobs and strengthen the Maryland economy by providing gap financing for the creation and preservation of affordable rental housing financed through the Maryland Department of Housing and Community Development’s Multifamily Bond Program and Low Income Housing Tax Credit Program.

The purpose of the Partnership Rental Housing Program is to expand the supply of affordable housing for low-income households. Projects financed through the Partnership Rental Housing Program typically involve a partnership between State and local governments.

The purpose of the Group Home Program is to help individuals, qualified limited partnerships, and nonprofit organizations to construct or acquire or acquire and modify existing housing to serve as a group home or assisted living unit for eligible persons and households with special housing needs or to refinance mortgages on existing group homes.

The Maryland General Assembly created the Maryland Affordable Housing Trust in 1992 to make affordable housing more available throughout the State of Maryland. The Trust is governed by a Board of Trustees and staffed by the Maryland Department of Housing and Community Development. A portion of the interest generated by title company escrow provides the funding for the Maryland Affordable Housing Trust.