Home Improvement Grants in Chesapeake Beach.

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

As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Chesapeake Beach, MD, with individual awards up to $126,526. 8 programs target seniors, 2 serve veterans, and 14 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
Grants19Never repaidIncome-qualified homeowners
Forgivable loans1Forgiven after a residency periodLarger repairs with no money down
Rebates3Refunded to you after purchaseEnergy-efficiency upgrades

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Showing 25 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
Deferred loan up to $30,000

Calvert County Owner-Occupied Rehabilitation Program

Provides deferred, forgivable loans to low- and moderate-income homeowners in Calvert County for major home rehabilitati...

Home Repair
Grant up to $10,000

Calvert County Emergency Home Repair Program

Provides emergency grants to very low-income homeowners in Calvert County for critical health and safety repairs. Covers...

Emergency
Free weatherization up to $8,000

Maryland Weatherization Assistance Program (WAP)

State-funded weatherization program providing free energy efficiency improvements to low-income households. Includes ins...

Weatherization
Full lead abatement at no cost

Maryland Lead Poisoning Prevention Program

Provides free lead hazard reduction services for homes built before 1978 where a child under six has an elevated blood l...

Home Repair
Up to $1,200 rebate

SMECO Heat Pump Rebate Program

SMECO provides rebates for qualifying high-efficiency heat pump installations. Rebate amount varies by system efficiency...

Energy
Up to $600 rebate

SMECO Heat Pump Water Heater Rebate

Rebate program for SMECO customers who install qualifying ENERGY STAR certified heat pump water heaters. Helps offset th...

Energy
Up to $400 rebate

SMECO Home Insulation Rebate

SMECO offers rebates for qualifying attic and wall insulation installations that meet minimum R-value requirements. Help...

Weatherization
Free energy audit (normally $500)

Maryland EmPOWER Whole Home Energy Assessment

Free comprehensive home energy audit for SMECO customers, including blower door test, infrared imaging, and customized e...

Weatherization
Grant up to $1,000

Maryland Solar Energy Grant Program

State grant to help Maryland homeowners offset the cost of solar photovoltaic system installations. Grant amount based o...

Solar/Renewable
30% of system cost

Federal Residential Solar Investment Tax Credit (ITC)

Federal tax credit covering 30% of the total cost of residential solar panel and battery storage system installations. C...

Solar/Renewable
Varies by income and property tax

Maryland Homeowners' Property Tax Credit

State tax credit for Maryland homeowners whose property taxes exceed a certain percentage of their gross income. Credit ...

Property Tax Relief
Up to $1,000 property tax credit

Calvert County Senior Tax Credit

Local property tax credit for Calvert County homeowners age 65 and older with qualifying income. Credit supplements the ...

Property Tax Relief
Up to $10,000 grant (age 62+) and $40,000 loan, $50,000 combined

USDA Section 504 Home Repair Loan & Grant

USDA program providing low-interest loans and grants to very low-income rural homeowners to repair or improve their home...

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

VA Specially Adapted Housing (SAH) Grant

VA grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their needs. C...

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

VA Special Housing Adaptation (SHA) Grant

VA grant for veterans with certain service-connected disabilities to adapt a home for independent living. Smaller grant ...

Veterans
Loan up to $20,000

Maryland Accessibility Modification Loan Program

Low-interest loan program to help Maryland homeowners make accessibility modifications to their homes for household memb...

Seniors & Disability
Grant up to $15,000

Calvert County Septic System Upgrade Program

Calvert County grant program to help homeowners upgrade failing or aging septic systems to protect water quality in the ...

Home Repair
Up to $5,000 assistance

Calvert County Water/Sewer Lateral Assistance

Assistance program to help income-qualified homeowners repair or replace private water and sewer laterals connecting the...

Home Repair
Tax credit up to $5,000

Maryland HomeShare Tax Credit

State tax credit program for homeowners who provide shared housing to unrelated seniors or persons with disabilities. En...

Seniors & Disability
20% state credit + 20% federal credit

Maryland Historic Preservation Tax Credit

State tax credit for substantial rehabilitation of historic properties listed on the National Register. Combined with fe...

Historic
Grant up to $25,000

Maryland Flood Resilience Grant Program

State grant to help Maryland homeowners in flood-prone areas implement flood mitigation measures such as home elevation,...

Disaster

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 Chesapeake Beach

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Frequently asked questions

What home improvement grants are available in Chesapeake Beach, MD?

25 programs are currently listed for Chesapeake Beach, 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 Chesapeake Beach 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 Chesapeake Beach, 19 programs do not require repayment, 1 is forgivable loan, and 3 are rebates.

How do I apply for home repair grants in Chesapeake Beach?

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.