Baltimore City Housing Repair Program (including Deferred Loans and Emergency Roof Repair funding)

How it works

Baltimore City says the Housing Repair Program provides grants and deferred loans to assist homeowners in correcting major housing deficiencies and serious health and safety issues. The city’s FY 2026 Consolidated Plan lists this as “Housing Repair - Deferred Loans & Emergency Roof,” showing dedicated capital funding for the program.

What the money covers

The official city description says covered home modifications include:

• accessibility
• electrical work
• structural repairs
• carpentry
• waterproofing
• plumbing
• HVAC
• roof repair
• and more

That makes this one of the city’s main repair programs for hardening a home against damage from water intrusion, roof failure, and general physical deterioration.

Amounts and matching

The city document does not state a single per-home maximum, matching requirement, reimbursement rule, or loan terms on the page we found. It only shows program funding amounts in the annual plan:

• $851,060
• plus a June 2025 amendment of $318,940

How to apply

The source page we found does not give application steps, but it identifies the program as a Baltimore City DHCD capital project.

Timing and deadlines

The source page is part of the FY 2026 annual planning documents and does not state application opening or closing dates.