To qualify for an emergency assistance loan made under § 4-804(4) of this subtitle, an applicant: shall be unable to keep payments current on the applicant’s home mortgage because of unforeseeable adverse personal or economic circumstances; shall be at risk of forfeiting title to the applicant’s home; and reasonably may be expected to resume regular mortgage payments within 24 months after the first mortgage assistance payment is provided. For an emergency assistance loan under § 4-804(4) of this subtitle: the Department shall consider the amount of equity in the property; and the loan may not exceed an amount equal to 36 payments of principal and interest on all superior liens, plus: late fees; taxes; insurance payments; and other payments needed for the loan to be current.