{"status":200,"message":"Success","data":{"id":"7a71cc20-a833-511d-9e2d-5d52009d24d3","title":"UPLIFT (Utilizing Progressive Lending Investments to Finance Transformation) Program","identifiers":{"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"md:dhcd-uplift-program"},"opp:maryland:system":{"registry":{"code":"opp:maryland:system","url":"https://md.api.cg.a6lab.ai/common-grants"},"id":"35c7abfb-3f6b-5092-9f40-3bc280078233"}}},"status":{"value":"open","description":"Rolling — applications accepted continuously"},"description":"UPLIFT (Utilizing Progressive Lending Investments to Finance Transformation) is a program administered by the Maryland Department of Housing and Community Development (DHCD) that closes the 'appraisal gap' — the difference between what it costs to develop affordable housing and the price that housing can sell for on the open market — in historically redlined, low-income communities. The State covers this gap through UPLIFT funding, enabling qualified development teams (nonprofit and for-profit developers, builders, community-based organizations, Public Housing Authorities, and local small businesses) to acquire, develop, build, renovate, and sell quality affordable homeownership housing in targeted neighborhoods. The program aims to accelerate housing production and increase property values, providing wealth-building homeownership opportunities in low-income census tracts and designated Sustainable Communities. Development loans are structured as 2nd lien position, 0% interest during the construction period; homeowner promissory notes for appraisal gap financing use a 5-year declining balance, 0% interest, with automatic forgiveness at 20% per year. Loan cap is $75,000 per unit maximum; minimum project size is 8 units. Developer fees are capped at $50,000 per dwelling unit or 12.5% of total development costs, whichever is less. The program also couples its development loans with a commitment from DHCD to offer grants and loans to nearby 'Legacy Homeowners,' often living in energy inefficient and deteriorated housing. Projects in ENOUGH Initiative or Just Communities census tracts receive enhanced flexibility. Active projects include Baltimore communities such as Orchard Ridge, Henderson Crossing, East Biddle, Eager Landing, and Homewood Valley, with initial deployment also in the City of Cambridge. Applications are accepted on a rolling basis and reviewed on a first-come, first-served basis as long as funding is available. Developers must complete a pre-application meeting with DHCD before submitting a formal application, and a $1,000 non-refundable fee is required per project at the time of application. Award limits were increased as of October 2025, with increased flexibility for projects in Just Communities and ENOUGH Act census tracts. Total program resources referenced at approximately $20M (original $10M pilot plus $10M FY'24 allocation).","funding":{"details":"Loan cap is $75,000 per unit maximum; minimum project size is 8 units."},"funders":{"primary":{"id":"bcbcccdb-0afd-52f3-9f98-dd0257007c14","name":"Maryland Department of Housing and Community Development","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","allIds":[{"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","status":"active"},{"id":"834b3d8b-c62f-4ead-ac42-2eb43df5aa2e","status":"active"},{"id":"6edab60f-4b54-4d89-9aa1-8ae8083d53ef","status":"active"},{"id":"08e6922c-cc8d-49b8-8a90-5542613d0e74","status":"active"},{"id":"1a3ee814-85ff-4535-a796-a1f4c6864471","status":"active"},{"id":"d79075bb-0c92-4049-80ac-78c330ae609b","status":"active"}]},"org:us:md:agency":{"registry":{"code":"org:us:md:agency","url":"https://opengrants.io/common-grants/registries/org-us-md-agency.json"},"id":"DHCD"}}}}},"keyDates":{"closeDate":{"name":"Application deadline","eventType":"other","details":"Ongoing","description":"Rolling — applications accepted continuously"},"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Rolling basis, as long as funding is available; specific deadlines announced at least 30 calendar days in advance via DHCD website"}}},"acceptedApplicantTypes":[{"value":"non_profit_with_501c3","description":"Nonprofit"},{"value":"nonprofit_without_501c3","description":"Nonprofit"},{"value":"for_profit_small_business","description":"Business"},{"value":"for_profit_not_small_business","description":"Business"},{"value":"government_state","description":"Public Agency"},{"value":"government_county","description":"Public Agency"},{"value":"government_municipal","description":"Public Agency"},{"value":"government_special_district","description":"Public Agency"}],"source":"https://dhcd.maryland.gov/housing/multifamily-financing-programs/uplift","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Brien O'Toole","email":"uplift.dhcd@maryland.gov"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Nonprofit and for-profit developers and builders, community-based organizations, Public Housing Authorities (PHAs), local small businesses, and qualified development teams engaged in housing revitalization efforts in historically redlined, low-income census tracts and designated Sustainable Communities in Maryland, including Baltimore neighborhoods and the City of Cambridge. Eligible organization types include not-for-profits (501(c)(3) or 501(c)(4) with focus on affordable housing/community revitalization), PHAs, local small businesses (<500 employees, SBA-qualified), and for-profit developers. All Primary Development Team members (developer, builder/GC, architect, Neighborhood Engagement Facilitator, marketing/sales entity) must have experience building/renovating at least 3 units of comparable type within the last 5 years. Projects must be located in both a low-income census tract (50% of households below 60% AMI or poverty rate ≥25%) AND a designated Maryland Sustainable Community. Historically redlined, low-income census tracts and designated Sustainable Communities across Maryland, including Baltimore communities such as Orchard Ridge, Henderson Crossing, East Biddle, Eager L"},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://dhcd.maryland.gov/","description":"Maryland Department of Housing and Community Development grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"grant+loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"Other","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-10-29T08:48:16Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"MD","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"dhcd","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"DHCD","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://dhcd.maryland.gov/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Nonprofit","Business","Public Agency"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"• About Us\n• Leadership Team\n• Organizational Structure\n• Careers\n• How Can We Help You?","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Loan cap is $75,000 per unit maximum; minimum project size is 8 units.","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Apply as described on the program page (applications at dhcd.maryland.gov).","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"electronicSubmission":{"name":"electronicSubmission","fieldType":"string","value":"url: https://dhcd.maryland.gov/housing/multifamily-financing-programs/uplift;","description":"Where applications are submitted (url: … or email: …)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Rolling basis, as long as funding is available; specific deadlines announced at least 30 calendar days in advance via DHCD website","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Rolling","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"editorial","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"dhcd-uplift-program","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-maryland/#p-dhcd-uplift-program","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"upstreamSource":{"name":"upstreamSource","fieldType":"string","value":"maryland","description":"Upstream CommonGrants API this record is also served by (src/data/state-portals/upstreams.json)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"upstream","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-10-29","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-07-02T21:19:55.214Z","lastModifiedAt":"2026-10-29T00:00:00Z","competitions":[],"awards":[]}}