Healthy Neighborhoods Purchase & Rehabilitation Loan

At a Glance
Loan for home purchase with renovation
Who's Eligible?
Baltimore City homebuyers who meet program requirements
To Get Started:
Confirm personal and property eligibility requirements and contact Healthy Neighborhoods to begin the application process

Buying a home in one of Baltimore’s Healthy Neighborhoods? Healthy Neighborhoods offers a loan to help you purchase and renovate your new house on Healthy Neighborhoods target blocks. Below-market interest rate, free design advice, no private mortgage insurance requirement and more are benefits of this loan incentive Program. Healthy neighborhoods works on target blocks in the following neighborhoods: Abell, Arcadia, Baltimore Highlands, Barclay, Barre Circle, Belair-Edison,  Better Waverly, Beverly Hills, Charles North, Charles Village, Coldstream Homestead Montebello, Edmonson Village, Ednor Gardens-Lakeside, Garwyn Oaks, Glen, Greater Mondawmin, Highlandtown, Greektown, Greenmount West, Hamilton Hills, Hanlon-Longwood, Harwood, Howard Park, Lauraville, Madison Park, Moravia-Walther, Morgan Park, Mid-Town Belvedere, Mount Vernon, Old Goucher, Patterson Park, Patterson Place, Remington, Reservoir Hill, Seton Hill, Union Square, Waltherson, Washington Village/Pigtown, and Waverly.


This program allows you to borrow money to buy and renovate your home.


  • Homebuyers must contribute 3% of the purchase price from their own funds and may borrow the balance of funds needed to buy and renovate the home up to 110% of the after rehabilitation appraisal.
  • Loans to borrowers will be limited to a maximum of $295,000
  • You must live in this home as your primary residence.
  • You may not own residential rental property.
  • The property must be on a Healthy Neighborhoods target block.
  • The property can have up to 4 zoned residential units.
  • Homebuyer must use Healthy Neighborhoods approved lender M&T Bank.
  • This loan and incentive package may be used in addition to other incentives.
  • No private mortgage insurance is required.
  • Healthy Neighborhoods will approve all contractor construction contracts and monitor rehab work.
  • Certain neighborhood restrictions apply: in Mt. Vernon and Mid-Town Belvedere home renovations must meet the standard of the Maryland Historic Tax Credit.

Program Terms & Conditions


Healthy Neighborhoods
Rahn Barnes
(410) 332-0387 x154

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.
Contact Us