Healthy Neighborhoods Purchase & Rehabilitation Loan

At a Glance

Loan for home purchase with renovation

Who's Eligible?

Homebuyers who meet program requirements

To Get Started

Confirm eligibility requirements and contact Healthy Neighborhoods to begin the application process

Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods’ target blocks.  Eligible homebuyers receive a below-market interest rate, free design advice, and no private mortgage insurance requirement.


This program allows you to borrow money to buy and renovate your home; For income-eligible borrower’s, you may also qualify for a matching grant of up to $10,000.


  • You must live in this home as your primary residence.
  • You must contribute 3% of the purchase price + renovation costs and may borrow up to 110% of the after-rehabilitation appraisal.
  • You may not own residential rental property. Individuals that have rental property as a result of inheritance or moving, can still use the program.
  • You must use M&T Bank, through the M&T Loan Officer assigned and officed at Healthy Neighborhoods.
  • Your mortgage amount cannot exceed $295,000.
  • Your property must be on a Healthy Neighborhoods target block.
  • May be used in addition to other incentives
  • All contractor construction contracts and rehab work will be monitored and approved by Healthy Neighborhoods.

Program Terms & Conditions


Healthy Neighborhoods
Rahn Barnes
(410) 332-0387 x1005

We're here to help.

Have more questions about this or other Baltimore City homeownership incentives? We're here to help! Send us an email or give us a call at (410) 637-3750. A Live Baltimore team member can walk you through your options.
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