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 residents with overdue rent, homeowner’s insurance, property taxes, and water bills. Payments can be applied toward arrearages for the most recent three-month period.

Eligibility Criteria

To qualify for EMHAP, homeowners 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$129,259
8$137,550

Application Process

"Temporarily Closed" as available funds have been exhausted.

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 LIGHT Intake & Assessment Unit at 410-396-3023.

EMHAP Flyer