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Program: Baltimore City, Emergency Mortgage & Housing Assistance Program

Agency: Baltimore City Mayor's Office


Resource Number: 78561145
Alternate name: Baltimore City Department of Housing & Community Development,Baltimore City, COVID-19 Emergency Mortgage & Housing Assistance Program

 Description

UPDATE: As of 7/2/25, Not accepting applications. The website displays this message: "Thank you for your interest. Due to the high volume of applications received, the portal is now closed as of 4:30 p.m. on June 30 to allow for the efficient review and processing of current submissions. Should additional funding become available, we will re-open the portal at that time. Please check back for future updates." People seeking assistance should check the website to see if the status has changed. Confirmed 8/18/25.

IF SOMEONE HAS APPLIED AND WANTS TO KNOW THE STATUS OF THEIR APPLICATION, THEY SHOULD GO TO THE WEBSITE AND FOLLOW THE INSTRUCTIONS TO CHECK THEIR APPLICATION STATUS ONLINE IN NEIGHBORLY

PAYMENT ASSISTANCE: Assists Baltimore City residents facing foreclosure due to economic hardship with past due mortgage payments. May also assist residents with overdue rent, property taxes, homeowners insurance and/or water bills. Payments can be applied toward arrearages for the most recent three-month period.


Number of People
in Household

Max AnnualIncome
1$62,600
2$71,500
3$80,500
4$89,400
5$96,600
6$103,750
7$110,900
8$118,050





Program Phones:
410-396-3023LIGHT Intake & Assessment Unit

Website: dhcd.baltimorecity.gov/hho/emergency-mortgage-housing-assistance-program

Location information
Sites offering this program
+ 417 East Fayette Street ->
417 East Fayette Street  
Location: 417 East Fayette Street, Suite 1125
Baltimore, MD 21202 (Map)

Hours of operation
Program Hours:

Open:
Closed:
Mon
8:30AM
4:30PM		Tue
8:30AM
4:30PM		Wed
8:30AM
4:30PM		Thu
8:30AM
4:30PM		Fri
8:30AM
4:30PM


Description: Intersection South Gay Street and Fayette Street.
Bus Service: 54, 67, 76, 105, 154, 160, 164, 210, 215, CityLink Red, CityLink Yellow
Mailing Address: 417 East Fayette Street, Suite 1125, Baltimore, MD 21202
Service Area:

Program Delivery
Eligibility: Gross annual household income at or below 80% AMI
The applicant must occupy the property as his/her primary residence and show proof
The applicant must have a mortgage, rent, utility bill, or property tax bill with a past due balance
Residents with past due utility bills must exhaust all other resources and programs before applying
If a homeowners is in foreclosure, they must show evidence of being able to pay moving forward
If a renter is facing eviction, they must show evidence of being able to pay moving forward
Application Process: Apply online by registering for a free account with your name and email. After registering, click Sign In to enter the email and password. Then, under Start, a New Application, click Emergency Mortgage & Housing Assistance Program. Applications can be downloaded and printed or pick up at 417 E. Fayette St., Suite 1125.
If assistance is needed call the intake line.
Payment methods:
Program Fees: None.
Documents Required: Maryland State ID
Social Security Card for applicant
Mortgage Statement, BGE or Water Bill, Real Property Tax Bill, or Homeowner Association statement with 2-month ledger(address must match ID)
Proof of Income - Consecutive Paystubs for the past 30 days, Pension or Retirement Statements, Social Security Award Letter(SSA, SSDI, SSI), Unemployment or Worker’s Compensation Statement, 2024 1040 Tax Return with all pages
Two most recent bank statements with all pages, including the blank page for all open accounts
Service Area:
Defined coverage area:
MD-Baltimore City



 





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Attachments
EMHAP FLyer 2025 (.pdf)