Worcester County Housing

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  • Worcester County Housing Rehabilitation Program

The Worcester County Housing Rehabilitation Program is administered through the Worcester County Department of Economic Development. This program provides grant and loan funding to both owner occupied and rental properties for general rehabilitation and lead abatement services. The Special Loans application is utilized for all grant and loan programs and may be downloaded from this site. Following is some general information on available funding; if you would like more information on this program, or need assistance with the application forms; please contact Jo Ellen Bynum at 410-632-3112.

Owner Occupied Housing
Grants:
General Rehabilitation

  • The home must be located in a rural (unincorporated) area of Worcester County.
  • The dwelling must have existing conditions that do not meet the County's Minimum Livability Code.
  • Homeowner must be willing to accept loan funding to supplement the grant award as necessary to meet the minimum code requirements.
  • Priority is given to Senior Citizens, the Disabled and families with extremely low income and to houses with safety and/or health hazards.
  • Grant terms are 5 years; no payment due back to County unless the property is sold or refinanced during the 5 year time period.

Lead Abatement

  • The homeowner must occupy the dwelling as his or her principal residence.
  • The family must be of extremely low income or have insufficient funds to make loan payments or the cost of lead abatement must exceed the assessed value of the dwelling.
  • Home must be in an eligible census tract.
  • House must be structurally sound.
  • No minimum grant term, no repayment required if house is sold or refinanced 10% match required if family income is over 80% of the median.

Loans:

  • Home may be rural or in an incorporated township of Worcester County.
  • Priority is given to dwellings having existing conditions that do not meet the County Minimum Livability Code; however, up to 40% of the work may be cosmetic in nature.
  • The family must be of low to moderate income.
  • Homeowner must have acceptable credit or be willing to set up payment plans on any accounts in Collections. Judgments must be paid in full.
  • Interest rates are between 0% and 7%. Payments are scaled to family's ability to re-pay, loans may be completely deferred. Full loan balance due back to the State when property is sold. Full balance may be due if property is otherwise transferred or re-financed.

Rental Housing
Grants:
Lead Abatement

  • Property may be located in a rural area or incorporated township of Worcester County.
  • Property must be in an eligible census tract.
  • Property must be registered with the MDE.
  • Property must meet the County Minimum Livability Code upon completion of rehabilitation.
  • Underwriting must show that there is insufficient income from the property to make loan payments.
  • Owner must provide tenant relocation.
  • 20% match and processing fees must be paid out-of-pocket.

Loans:
General Rehabilitation & Lead Abatement

  • Property may be located in a rural area or incorporated township of Worcester County.
  • Property must be registered with MDE.
  • Owner must have 2 years of sound credit history.
  • Rental rates cannot exceed 30% of the tenant's household income.
  • Owner must provide tenant relocation if project includes lead abatement or if construction process is expected to result in loss of access to a kitchen or bathroom.
  • Restrictions are placed on incomes of tenants occupying the property for 10-15 years following rehabilitation or until principal balance is paid.
  • Interest rates are from 0% to 7% and are based upon the incomes of the tenants residing in the building and the project income available to pay the loan.Closing costs and application processing costs must be paid out-of-pocket.