Home Improvement Grants in Catonsville.

Find grants, rebates, forgivable loans, and free programs for Catonsville, MD, filtered to your situation.

As of June 2026, 24 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Catonsville, MD, with individual awards up to $126,526. 7 programs target seniors, 2 serve veterans, and 13 require no income limit.

Data last verified 2026-06-09. How we verify our data.

Types of help in this city

Funding typeProgramsRepaid?Best for
Grants17Never repaidIncome-qualified homeowners
Forgivable loans2Forgiven after a residency periodLarger repairs with no money down
Rebates4Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 24 programs
Varies, no individual cap; projects typically $10K-$200K+

FEMA Hazard Mitigation Grant Program (HMGP)

HMGP provides funding after a presidentially declared disaster to help communities reduce future disaster losses. Homeow...

Disaster
Up to $30,000

FEMA Increased Cost of Compliance (ICC) Coverage

ICC coverage is built into every National Flood Insurance Program (NFIP) policy and pays up to $30,000 to help bring a s...

Disaster
Varies by jurisdiction, typically $5,000-$15,000 per unit

HUD Lead Hazard Control & Healthy Homes

HUD funds state, county, and city governments to identify and fix lead-based paint hazards and other health hazards (mol...

Seniors & Disability
Varies, full line replacement cost covered in many programs

EPA / WIIN Act Lead Service Line Replacement

EPA's WIIN Act grants and the Drinking Water State Revolving Fund (DWSRF) fund lead service line replacement programs in...

Seniors & Disability
Forgivable loan up to $30,000

Baltimore County Housing Rehabilitation Program

Provides forgivable loans for major home repairs to income-eligible owner-occupants in Baltimore County. Loan is forgive...

Home Repair
Up to $10,000 grant

Baltimore County Emergency Repair Grant

Provides grants for emergency repairs that pose immediate health and safety threats to income-eligible homeowners in Bal...

Emergency
Up to $15,000 grant

Baltimore County Accessibility Modification Program

Provides grants for accessibility modifications to enable elderly and disabled Baltimore County homeowners to remain saf...

Seniors & Disability
Free lead hazard removal

Baltimore County Lead Hazard Reduction Program

HUD-funded program to eliminate lead-based paint hazards in homes built before 1978 where children under age 6 reside. S...

Home Repair
Up to $8,000 in weatherization services

Maryland Weatherization Assistance Program (WAP)

Federally-funded program that provides free weatherization services to reduce energy costs for income-eligible household...

Weatherization
Free home energy assessment plus instant rebates

Maryland EmPOWER Quick Home Energy Check-Up

Free in-home energy assessment provided by BGE that includes installation of energy-saving products such as LED bulbs, f...

Energy
Up to $1,500 rebate

BGE Heat Pump Rebate Program

Rebate for installing qualifying energy-efficient air source or ground source heat pumps in BGE service territory. Rebat...

Energy
Up to $1,000 rebate

BGE Home Insulation Rebate

Rebate for installing qualifying insulation in attics, walls, crawl spaces, or basements. Must meet minimum R-value requ...

Weatherization
Up to $1,000 grant

Maryland Residential Clean Energy Grant Program

State grant program to support residential installation of solar photovoltaic systems, energy storage, and geothermal he...

Solar/Renewable
Varies by income; reduces property tax burden

Maryland Homeowners' Tax Credit Program (Senior)

State-funded property tax credit for eligible homeowners age 65+ or totally disabled with limited income. Credit amount ...

Property Tax Relief
Deferred loan up to $20,000

Maryland Housing Rehabilitation Program

State-funded deferred loan program for major home repairs and improvements. Loan carries no interest and requires no mon...

Home Repair
Up to $15,000 grant (100% of eligible costs)

Maryland Bay Restoration Fund Septic Upgrade Program

State grant covering 100% of cost to upgrade existing septic systems to nitrogen-removing Best Available Technology (BAT...

Home Repair
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Program

Federal program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or ...

Home Repair
Up to $126,526 (SAH) or $25,350 (SHA), FY2026

VA Specially Adapted Housing (SAH) Grant

Grant for veterans with certain service-connected disabilities to purchase or modify a home to meet accessibility needs....

Veterans
Up to $25,350 (SHA), FY2026

VA Special Housing Adaptation (SHA) Grant

Grant for veterans with service-connected disabilities including blindness or loss/loss of use of hands to adapt a home ...

Veterans
Varies; reduces property tax

Baltimore County Senior Tax Credit

County supplement to the state Homeowners' Tax Credit for Baltimore County residents age 65+ with limited income. When c...

Property Tax Relief
Free lead inspection and risk reduction

Maryland Lead Poisoning Prevention Program

State-mandated program requiring inspection and lead risk reduction for rental properties built before 1978 where childr...

Home Repair
20% state tax credit on qualified expenses

Maryland Heritage Structure Rehabilitation Tax Credit

State tax credit for certified rehabilitation of historic homes listed on the National Register or located in eligible h...

Historic
Up to $7,100 in rebates and incentives

BGE Smart Energy Savers Program

Comprehensive whole-home energy upgrade program offering bundled rebates for qualifying improvements. After a paid energ...

Energy
Up to $650 rebate

BGE High-Efficiency Water Heater Rebate

Rebate for installing qualifying high-efficiency natural gas or electric water heaters. Gas models must be ENERGY STAR c...

Energy

Stack programs to maximize your savings

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.

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Grant-Approved Contractors in Catonsville

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Frequently asked questions

What home improvement grants are available in Catonsville, MD?

24 programs are currently listed for Catonsville, including FEMA Hazard Mitigation Grant Program (HMGP), FEMA Increased Cost of Compliance (ICC) Coverage, HUD Lead Hazard Control & Healthy Homes.

Do home improvement grants in Catonsville have to be repaid?

Grants do not have to be repaid. Forgivable loans are forgiven over a residency period, and rebates refund your money after the purchase. In Catonsville, 17 programs do not require repayment, 2 are forgivable loans, and 4 are rebates.

How do I apply for home repair grants in Catonsville?

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.