Maryland Homeowner Assistance Fund
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Are you struggling to keep up with your mortgage payments or other housing costs due to COVID-19 related financial hardships? The Maryland Homeowner Assistance Fund may be able to help.
The Maryland Homeowner Assistance Fund is now open for application.
Need help applying or navigating the application portal?
Call 833-676-0119, Mon-Fri 8 a.m. to 7 p.m.
If you are currently experiencing issues paying your mortgage, contact your servicer to inquire about forbearance options.
To be connected to housing counseling and legal services, call 1-877-462-7555 or see
Participating Housing Counseling and Legal Services Agencies to find an agency that can work with you to access relief.
Frequently Asked Questions
The Homeowner Assistance Fund was established by the American Rescue Plan Act enacted on March 11, 2021, to help homeowners experiencing financial hardship after January 21, 2020. The Maryland Department of Housing and Community Development will receive $248 million through this program over three years to assist homeowners struggling with their mortgage payments or other housing costs due to the COVID-19 pandemic. The Maryland Homeowner Assistance Fund will leverage and be supplementary to the loss mitigation tools that will be deployed by mortgage servicers. The program will create a long-term sustainable and affordable mortgage as opposed to short-term assistance without a clear outcome. For more information, see
Program Overview.
The Maryland Homeowner Assistance Fund will support mortgage relief, weatherization, housing counseling, and legal services.
- Eligible financial hardship after January 21, 2020
- Grant - 100% of AMI; Loan - 150% of AMI
- Must be a Maryland homeowner
- Homeowners residing in their primary residence
- Evidence of the deed of trust
- Be delinquent and/or in forbearance for more than 3 months.
For additional eligibility requirements, including income limits, see
Maryland Homeowner Assistance Fund Factsheet.
U.S. Treasury defines a financial hardship as “A material reduction in income or material increase in living expenses associated with the coronavirus pandemic that has created or increased a risk of mortgage delinquency, mortgage default, foreclosure,or displacement for a homeowner.”
The Maryland Homeowner Assistance Fund is now open for application.
Check Eligibility
Yes. Please submit all necessary foreclosure documentation at least 37 days in advance of the foreclosure sale date.
If you do not meet the eligibility requirements for the Maryland Homeowner Assistance Fund, make sure you are connected with housing counseling and legal services. A housing counselor can help you explore available options. Visit
Homeowner Resources or call the Maryland Homeowner Assistance Hotline at 1-877-462-7555.
The Office of the Commissioner of Financial Regulation (OCFR) within the Maryland Department of Labor is responsible for regulating the mortgage service industry in Maryland. If a homeowner feels that their servicer is not properly participating in the Maryland Homeowner Assistance Fund, they may report their concern to OCFR by calling 410-230-6077 or by visiting labor.maryland.gov/finance/consumers to submit a complaint.
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Homeowner Resources
A family’s home is their most important asset, and housing counseling helps ensure that potential and current homeowners are educated and empowered to make informed decisions about purchasing or preserving that home. To that end, the Department of Housing and Community Development supports a statewide network of nonprofit and local government agencies that provide critical assistance to homeowners, and renters.
Foreclosure and Rental Counseling
If you are a homeowner who has fallen behind on your mortgage payments, getting help early in the process can mean the difference between saving your home and losing it to foreclosure. A housing counselor can help you understand your options based on your specific circumstances and can assist you with finding a solution that works best for you.
Contact a housing counselor today. You can also call 1-877-462-7555 to find a state-approved nonprofit agency that can provide individual guidance to homeowners facing foreclosure.
Additional Resource Information
For Mortgage Servicers
Visit the
Servicer Resources section for additional information and documents.
