Maryland Department of Housing and Community Development

The Maryland Department of Housing and Community Development is proud to be at the forefront in implementing housing policy that promotes and preserves homeownership and creating innovative community development initiatives to meet the challenges of a growing Maryland.

Relationship to the State Government: Cabinet Level Agency Under the Governor

Current Staff Size: 500

Visit DHCD's Website


MDHCD established



The Maryland Mortgage Program is established



The Maryland Affordable Housing Trust constituted



Rental Housing Works Program was created



$1B in home loan reservations through the Maryland Mortgage Program


Total Financing Provided


Renters Served Since 1970


Homeowners Served Since 2011

Signature Program

Maryland Mortgage Program

The Maryland Mortgage Program (MMP) provides 30-year fixed-rate home loans to eligible homebuyers purchasing in Maryland. What makes MMP unique is the range of associated financial incentives and other assistance that, for many homebuyers, means the difference between being able to purchase and continuing to rent.

Homeowners Served Since 2011: 24,250 

Total Financing Since 2011: $5,040,059,217


Future Focus


Kenneth C. Holt

Executive Director

“We recently commissioned a Housing Needs Assessment that provides a 10-year strategy, which will help inform the best use of our affordable rental housing resources. The overarching concern is that the need exceeds the resources. We will continue to be creative in our financing across programs to leverage public and private partnerships.”

Success Stories
Janice Wright 
Riverwoods at Tollgate


Abingdon, MD

Janice Wright was told that she had 20 days to find a new home for herself and her son Matthew. The severity of their situation was compounded by Matthew’s special needs: autism, epilepsy and Angelman syndrome. She heard about Riverwoods at Tollgate, a development in Abingdon, funded in part by the Department of Housing and Community Development. Wright spoke with management, and on December 4, 2015, they became the first family to move in.

Veterans Village at Perry Point


Perry Point, MD

HELP Veterans Village was developed through a partnership between: VA Maryland Health Care System, the MD Department of Housing and Community Development, HELP USA, Cecil County, and the Town of Perryville. HELP Veterans Village provides housing for at-risk and formerly homeless veterans in the village area of the Perry Point VA Medical Center. DHCD provided nearly $19 million in financing for this vital project that has contributed to the reduction of veterans homelessness in Maryland

Maryland Mortgage Program Home Loan


Waldorf, MD

Jessica was renting and heard about MMP. Instead of continuing to pay rent, Jessica was able to secure the purchase of her new home by utilizing one of the many home loans MMP offers. This happy homebuyer was able to get a low interest rate and down payment assistance that will help her build generational wealth for her family.

Veterans Village at Perry Point (2019)
Victory Crossing Senior Apartments (2018) – Affordable Senior living
Wallbrook Mill – Mixed-use development in Baltimore, Maryland
Riverwoods at Tollgate (2015) – Multifamily Development in Abingdon, MD