—Harford County
Neighborhood Conservation Initiative (NCI)

  • Provides up to $7,500 in deferred loan.
  • Limited to Harford County Zip Codes 21001, 21009, 21040.
  • Must be used towards closing cost only. Can be combined with other assistance programs.
  • Household income limitations apply.
  • Borrower’s minimum contribution of $1,000.00.
  • Homeownership Counseling required. 8-hours total which includes workshop(s) and counseling session(s) with HUD Certified Counseling Agency.