Emergency Housing Loan Program

Emergency Housing Loan Program
Application Period: Open until funds are exhausted
Click here for the application
The Harford County Office of Community and Economic Development’s Emergency Housing Loan Program is available (depending on funding) to low-income Harford County homeowners.

Loans of up to $5,000, subject to 2% interest rate, may be available to qualifying households.  

One-time loans in the form of a subrogated mortgage may be offered, at the sole discretion of the Director of the Office of Community and Economic Development, subject to the following eligibility criteria:

  • Household income must be no more than 60% of Area Median Income Guidelines:

Household Size

Monthly Income


For each additional resident, add $380.00

  • Funds must be expended on one of the following expenses:
  • Emergency home repairs
  • Unpaid property taxes

  • The property to be improved with the loan proceeds must be held in fee simple or subject to a perpetually renewable ground rent.

  • Title to the property shall be good and merchantable and free of any liens, encumbrances and other exceptions objectionable to us.

  • The Loan must be secured by a Deed of Trust creating a SECOND lien against the property, if a first exists.

  • Applicant has exhausted all other avenues for revenue to cover costs of these emergency repairs.

Emergency Housing Loans will be made available on a first-come, first-served basis. Payments of principal and interest shall be made monthly and total payment will be due in full on the first to occur:

  1. Cessation of the use of the property as homeowner’s principal residence;
  2. Default under the first mortgage;
  3. Sale, transfer, or refinance of the property, without the prior written consent of the Office of Community and Economic Development. 

Interested applicants should send the completed application to commdev@harfordcountymd.gov and for further information contact the Harford County Office of Community and Economic Development at 410.638.3045