Find grants, rebates, forgivable loans, and free programs for Baltimore, MD, filtered to your situation.
As of June 2026, 50 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Baltimore, MD, with individual awards up to $126,526. 13 programs target seniors, 4 serve veterans, and 21 require no income limit.
Data last verified 2026-04-03. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 36 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 1 | Refunded to you after purchase | Energy-efficiency upgrades |
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Baltimore City uses federal CDBG funds to help low-income homeowners with essential repairs including roofing, heating, ...
Federally funded program that identifies and eliminates lead-based paint hazards in Baltimore homes, prioritizing proper...
Free weatherization services for income-eligible Baltimore City residents, including attic insulation, air sealing, HVAC...
Connects Baltimore City seniors with subsidized accessibility upgrades, rehabilitation services, energy efficiency impro...
Below-market-rate home improvement loans from $5,000 to $20,000 for homeowners in designated Healthy Neighborhoods. Incl...
Helps long-term homeowners in Central Baltimore neighborhoods address costly home repairs. Prioritizes owners aged 65+ o...
Provides free home repairs performed by volunteers for low-income adults over 60, families with children under 18, and p...
Provides critical home repairs and accessibility modifications to low-income homeowners in the greater Baltimore area. O...
Provides critical home repairs ranging from $5,000 to $20,000 for existing homeowners in Southeast and East Baltimore ne...
Offers three tiers of low-interest home rehabilitation loans: Small Rehab ($300-$3,000), Quick Fix ($300-$7,500), and La...
Integrates green weatherization and energy efficiency services with healthy homes interventions such as lead hazard redu...
State grant program providing up to $10,000 for critical health and safety home repairs including roof repair, HVAC repl...
State loan program providing up to $50,000 at 0%-6% interest for critical health and safety repairs and code compliance....
Statewide program providing grants or loans to reduce lead-based paint hazards in Maryland homes. Backed by $4 million i...
Federally funded program that reduces heating and cooling costs for income-eligible households through energy conservati...
BGE offers rebates up to $15,000 for switching to electric heat pumps or heat pump water heaters, plus up to $10,000 for...
Provides no-cost energy efficiency upgrades for qualified low-income BGE customers including insulation, air sealing, re...
Maryland income tax credit equal to 20% of eligible rehabilitation expenses for certified historic structures, capped at...
Provides grants up to $25,000 for home energy efficiency upgrades and solar PV installations benefiting low-to-moderate ...
Limits the annual increase in taxable assessment of a principal residence to 10%, protecting homeowners from large prope...
State program offering below-market mortgage rates and down payment assistance of up to $20,000 for qualifying Maryland ...
Helps Maryland homebuyers with student loan debt by providing up to $30,000 to pay off outstanding student loans at clos...
Grants up to $126,526 for veterans with certain service-connected disabilities to build, buy, or modify a home for acces...
Grants up to $25,350 for veterans with certain service-connected disabilities to adapt a home they or a family member ow...
Lifetime grant of up to $6,800 for medically necessary home improvements for veterans with service-connected disabilitie...
Grants for veterans temporarily living in a family member's home to make accessibility modifications. Up to $49,062 for ...
Federal program offering 1% interest loans up to $40,000 and grants up to $10,000 for very-low-income homeowners in USDA...
FHA-insured loan up to $25,000 for single-family home improvements through approved lenders. Fixed interest rate with up...
FHA-insured mortgage that combines home purchase or refinance with renovation costs in a single loan. Limited 203(k) cov...
Federal energy assistance providing up to $750 for heating bills plus $600 in crisis assistance for low-income Maryland ...
Federal tax credit equal to 30% of costs for solar panels, solar water heating, geothermal heat pumps, small wind turbin...
Federal tax credit of 30% for energy-efficient home improvements including heat pumps ($2,000/yr), insulation and window...
Free tax preparation for Baltimore residents earning under $69,000 to maximize energy credits, homeowner deductions, and...
Provides $10,000-$20,000+ in down payment and closing cost assistance to eligible first-time homebuyers purchasing in Ba...
A $5,000 incentive awarded by lottery to participants of Live Baltimore's annual Trolley Tour who purchase a home in Bal...
Emergency energy assistance for Baltimore City residents facing utility shutoffs. Provides up to $125 in direct payments...
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...
WAP provides free energy efficiency improvements to low-income households across all 50 states, DC, and territories. Eli...
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...
The American Red Cross installs free smoke alarms and creates home fire escape plans through their nationwide Home Fire ...
EPA provides State and Tribal Indoor Radon Grants (SIRG) to every state to fund radon risk reduction programs. While the...
NeighborWorks America supports a network of nearly 250 local nonprofit housing organizations across every state, DC, and...
Owners of historic homes may access funding through their State Historic Preservation Office (SHPO), which distributes H...
Established by Maryland's Brighter Tomorrow Act of 2024, the Maryland Solar Access Program provides reimbursement grants...
The Accessible Homes for Seniors program, jointly administered by Maryland DHCD and the Maryland Department of Aging, pr...
Maryland's HAF WholeHome Critical Home Repairs grant program provides over $3.5 million to homeowners experiencing COVID...
Free or low-cost HUD-approved housing counseling and homebuyer education. Services include pre-purchase counseling, home...
The Housing Choice Voucher (Section 8) program provides rental assistance to eligible low-income families, seniors, and ...
Baltimore's Mayor's Office of Employment Development (MOED) administers WIOA funds through the Baltimore City American J...
The SBA Maryland District Office in Baltimore supports small businesses through the Microloan Program, 7(a) loans, and 5...
Maryland's Child Care Scholarship Program (formerly known as Purchase of Care) provides financial assistance to help inc...
Baltimore City administers Head Start and Early Head Start programs through multiple community agencies and Baltimore Ci...
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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50 programs are currently listed for Baltimore, including Baltimore City CDBG Home Repair Program, Baltimore City Lead Hazard Reduction Program, Baltimore City Weatherization Assistance Program.
Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Baltimore, 36 programs do not require repayment, 3 are forgivable loans, and 1 is rebate.
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.