Md. Code, Housing and Community Development § 4–811

(a) To qualify for an emergency assistance loan made under § 4-804(4) of this subtitle, an applicant:

(1) shall be unable to keep payments current on the applicant’s home mortgage because of unforeseeable adverse personal or economic circumstances;

(2) shall be at risk of forfeiting title to the applicant’s home; and

(3) reasonably may be expected to resume regular mortgage payments within 24 months after the first mortgage assistance payment is provided.

(b) For an emergency assistance loan under § 4-804(4) of this subtitle:

(1) the Department shall consider the amount of equity in the property; and

(2) the loan may not exceed an amount equal to 36 payments of principal and interest on all superior liens, plus:

(i) late fees;

(ii) taxes;

(iii) insurance payments; and

(iv) other payments needed for the loan to be current.