Emergency Mortgage & Housing Assistance Program

IMPORTANT NOTICE:

EMHAP has allocated all available funding. Funding decisions were made on a first-come, first-served basis. We regret that not all submitted applications could be funded at this time.  Please check back for future funding opportunities.

Program Overview

The Emergency Mortgage & Housing Assistance Program (EMHAP) assists Baltimore City residents whose homes are facing foreclosure due to economic hardship. Assistance is provided as a grant in the form of a direct payment to the payee to pay past due charges. The program may also assist residetns with overdue rent, property taxes, homeowners insurance and/or water bills.  Payments can be applied toward arrearages for the most recent three-month period.

Funding

The City has designated $2,000,000 for EMHAP. We estimate that these funds will support between 100 - 300 households. The program will end once all funds have been committed.

Eligibility Criteria

To qualify for EMHAP,applicants must meet the following criteria:

  • Gross annual household income at or below 80% AMI (see chart below)
  • 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 program before applying for EMHAP           
  • 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

Number of People
in Household

 Max Annual
Income
1 $72,950
2 $83,400
3 $93,800
4 $104,200
5 $112,550
6 $120,900
7 $129,250
8 $137,550

Application Process

"Temporarily Closed" 

Required Documents

  • 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

Questions? Call the Crisis Services Unit at 410-396-3023.

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