# Housing and Community Development (GHS)

## Title 4. Division of Development Finance

### Subtitle 8. Maryland Home Financing Program

#### Section 4-810

(a) To qualify for a loan under Sec. 4-804(1)(i), (4), or (5) of this subtitle, an applicant:

  (1) shall be a member of a household of limited income;

  (2) on closing of the loan, shall intend to reside in the home to be financed;

  (3) may not own other property used as the applicant's personal residence; and

  (4) in the estimation of the Department, shall lack the financial resources to obtain a private conventional mortgage or to qualify for other departmental loan programs.

(b) To qualify for a loan under Sec. 4-804(1)(ii) of this subtitle, an applicant:

  (1) shall agree in writing to live as an owner-occupant in one of the units of a residential building with no more than four units;

  (2) shall agree in writing to rent each unit other than the applicant's unit to a household of limited income; and

  (3) in the estimation of the Department, shall lack the financial resources to obtain a private conventional mortgage or qualify for other departmental loan programs.

(c) To qualify for a loan under Sec. 4-804(2) of this subtitle, an applicant shall agree to sell or rent each dwelling unit constructed or rehabilitated with the proceeds of the loan to a household of limited income.

(d) To qualify for a loan under Sec. 4-804(6) of this subtitle, an applicant shall:

  (1) own and occupy the home as the applicant's principal residence; and

  (2) meet the income requirements set by the Department.

---

Md. Code Ann., Hous. & Cmty. Dev. (as displayed at mgaleg.maryland.gov, October 16, 2026)