# Housing and Community Development (GHS)

## Title 4. Division of Development Finance

### Subtitle 8. Maryland Home Financing Program

#### Section 4-811

(a) To qualify for an emergency assistance loan made under Sec. 4-804(4) of this subtitle, an applicant:

  (1) shall be unable to keep payments current on the applicant's home mortgage because of unforeseeable adverse personal or economic circumstances;

  (2) shall be at risk of forfeiting title to the applicant's home; and

  (3) reasonably may be expected to resume regular mortgage payments within 24 months after the first mortgage assistance payment is provided.

(b) For an emergency assistance loan under Sec. 4-804(4) of this subtitle:

  (1) the Department shall consider the amount of equity in the property; and

  (2) the loan may not exceed an amount equal to 36 payments of principal and interest on all superior liens, plus:

    (i) late fees;

    (ii) taxes;

    (iii) insurance payments; and

    (iv) other payments needed for the loan to be current.

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