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Financial Incentives
Home 1
Living in Hagerstown offers all the benefits of being part of a unique and vibrant community. If you're thinking of relocating, or you already call Hagerstown home, take a look at some of the opportunities to make city life easy on your wallet!

You may be able to save some cash by taking advantage of one or more of our incentive programs:

I want to buy or rent my new home in Hagerstown.

City Center Residency Initiative - Whether you're planning to rent or buy, you may be eligible to save some cash if you're moving to the City Center. (Learn more...)

We are managing our success!
All City Center Residency Initiative program funding has been utilized and this incentive is currently not available.
Please check back for updates on funding availability.
If program funds become available and you would like to be notified, please email us at 
to have your contact information saved.


City-Wide Down Payment/Rehabilitation Program - 
Are you looking to purchase a home and don't fall within the income limits or program guidelines for other down payment/closing cost assistance programs? This is the perfect place to start! Funds may be used to help with your down payment, closing costs, or eligible renovation projects to spruce up your new home! (Learn more...)

We are managing our success!
All City-Wide Down Payment/Rehabilitiation program funding has been utilized and this incentive is currently not available. Please check back for updates on funding availability.
If program funds become available and you would like to be notified, please email us at
 to have your contact information saved.


Hagerstown Homeownership Program - Looking for your new home at a great price? Consider buying one of the City's completely renovated homes through the Homeownership Program. (Learn more...)



I already live in Hagerstown and want to apply for a Rehabilitation Loan or Grant.

Emergency Repair Grant Program - Does your home need immediate repairs to avoid a life-threatening situation or health hazard? The City may be able to help. (Learn more...)

Maryland Housing Rehabilitation Program (MHRP) - If you're interested in remodeling or improving your home or just need to meet code requirements, this may be the program for you! Grants and loans are available based on eligibility. Both homeowners and investment property owners may apply.        
 Homeowner Application         Investment Property Owner Application       MHRP Program Website

Single Family Rehabilitation Loans and Residential Rental Rehabilitation Loans - In need of comprehensive renovations to a single family structure or a multi-family structure? Your project may qualify for a low interest loan through the Department of Community and Economic Development. Loan funding is contingent upon Hagerstown Loan Review Authority approval and subject to funding availability. Federal CDBG income requirements apply. Please contact the Department of Community and Economic Development to request an application. 

To Apply:


For full program information, please contact the Dept. of Community and Economic Development. We strongly encourage applicants to call before applying.

Department of Community and Economic Development
Business and Community Relations Division
301-739-8577 ext. 111
14 N. Potomac St. Suite 200 A
Hagerstown, MD 21740