Find grants, rebates, forgivable loans, and free programs for Ellicott City, MD, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ellicott City, MD, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 11 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 17 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 4 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 3 | 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...
Provides major home repairs and rehabilitation for owner-occupied households in Howard County with income at or below 80...
Provides emergency home repairs for owner-occupied households in Howard County with income at or below 50% AMI. Covers i...
Provides accessibility modifications for owner-occupied homes in Howard County where a disabled resident lives. Includes...
Federally funded program providing free weatherization services to income-eligible households in Maryland. Includes insu...
State-funded program to reduce lead-based paint hazards in homes built before 1978 where children under 6 reside. Servic...
Income-qualified energy efficiency program for BGE customers providing free home energy assessments and installations of...
Rebate for BGE customers who install qualifying ENERGY STAR certified air-source heat pumps. Rebate amounts vary based o...
Provides BGE customers with rebates for comprehensive home energy improvements including insulation, air sealing, duct s...
State grant program for Maryland homeowners installing solar photovoltaic systems. Grant amount is based on system size ...
Matching grant program for owners of designated historic properties in Howard County, including Ellicott City. Funds ext...
Grant program for Maryland homeowners to upgrade failing septic systems or install nitrogen-reducing septic technology. ...
Provides financial assistance to Howard County homeowners for repair or replacement of private sewer lateral lines. Loan...
Provides minor home repairs and modifications for Howard County homeowners age 60+ to help them age in place safely. Inc...
Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair,...
Grant for veterans with certain service-connected disabilities to adapt or purchase a home to accommodate their disabili...
Grant for veterans with certain service-connected disabilities to adapt a family member's home where they reside. Also a...
Low-cost financing for energy efficiency and renewable energy improvements for Maryland homeowners. Includes solar, heat...
Federal HOME funds administered through local jurisdictions for rehabilitation of owner-occupied homes. Deferred loan wi...
State tax credit for Maryland homeowners whose property taxes exceed a percentage of their income. Provides direct reduc...
Additional property tax credit for Maryland homeowners age 65 and older with limited income. Can be combined with regula...
Rebate for BGE customers who install high-efficiency water heaters including heat pump water heaters, tankless systems, ...
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 Ellicott City, 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 Ellicott City, 17 programs do not require repayment, 4 are forgivable loans, and 3 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.