Find grants, rebates, forgivable loans, and free programs for Annapolis, MD, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Annapolis, MD, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 12 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 16 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 4 | Refunded to you after purchase | Energy-efficiency upgrades |
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HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...
ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...
HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...
EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...
Free weatherization services for income-qualified Maryland homeowners and renters to reduce energy costs. Includes insul...
CDBG-funded forgivable loans for major home repairs for income-qualified owner-occupants in Annapolis. Loan is forgiven ...
Provides emergency home repair grants for low-income owner-occupied households in Annapolis facing urgent health and saf...
Provides grants and forgivable loans for accessibility modifications to owner-occupied homes in Annapolis for residents ...
State-funded program to reduce lead-based paint hazards in qualifying Anne Arundel County homes built before 1978 with c...
Rebates for BGE residential customers who install qualifying high-efficiency heat pumps. Rebate amount varies by equipme...
Comprehensive home energy assessment and rebates for qualifying efficiency improvements. Includes insulation, air sealin...
Instant rebates on energy-efficient products including smart thermostats, LED bulbs, advanced power strips, and water-sa...
State grant program for Maryland homeowners installing new residential solar photovoltaic systems. Grant amount based on...
Federal tax credit equal to 30% of the cost of installing a residential solar energy system, including solar panels and ...
Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Annapolis to repair, improve, ...
Grant for veterans with certain service-connected disabilities to build, remodel, or purchase an adapted home. For veter...
Grant for veterans with certain service-connected disabilities to adapt a home. For veterans who are blind in both eyes ...
Tax credit for Maryland homeowners whose property taxes exceed a percentage of their gross income. Helps low-to-moderate...
Property tax credit for Anne Arundel County homeowners age 65 or older with income below specified thresholds. Reduces c...
Federal HOME Investment Partnerships Program administered by Anne Arundel County for owner-occupied rehabilitation. Prov...
Provides grants to income-qualified Annapolis homeowners to repair or replace failing water and sewer lateral lines on p...
Free direct-install energy efficiency improvements for income-qualified BGE customers. Includes LED bulbs, water-saving ...
State tax credit equal to 20% of qualified rehabilitation expenses for owner-occupied residential properties listed on t...
Free in-home energy assessment for BGE customers. Technician installs free LED bulbs, faucet aerators, low-flow showerhe...
Grant and loan program to help landlords and homeowners reduce lead hazards in rental properties built before 1978. Cove...
Many of these programs can be combined. For example, you can use a city repair grant for the work, a utility rebate for the energy savings, and a federal tax credit on top, all for the same project.
Pick a project to see how much funding could stack on it from multiple programs in this city.
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25 programs are currently listed for Annapolis, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Annapolis, 16 programs do not require repayment, 3 are forgivable loans, and 4 are rebates.
Every program listing carries the official application link and phone number for the administering agency. Homeowners apply directly with that agency; there is no middleman and no fee.