Find grants, rebates, forgivable loans, and free programs for Frederick, MD, filtered to your situation.
As of June 2026, 28 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Frederick, MD, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 16 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 19 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 1 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 7 | 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 low-interest deferred loans up to $25,000 for single-family home repairs to income-eligible Maryland homeowners...
Provides free energy efficiency improvements to low-income Maryland households including insulation, air sealing, heatin...
Provides grants up to $17,000 per dwelling unit for lead paint abatement in homes built before 1978 where a child under ...
Provides emergency repair grants up to $5,000 for low-income seniors (60+) in Frederick County. Covers health and safety...
Provides low-interest loans up to $40,000 and grants up to $10,000 (for seniors 62+) to very low-income rural homeowners...
Helps veterans with certain service-connected disabilities purchase or modify a home to meet their accessibility needs. ...
Helps veterans with certain service-connected disabilities adapt a family member's home or their own home to meet their ...
Provides rebates for qualifying high-efficiency air source heat pumps and ductless heat pumps installed in BGE service t...
Provides rebates for insulation upgrades including attic, wall, and basement insulation, as well as air sealing performe...
Provides rebates for high-efficiency heating and cooling equipment including central air conditioners, furnaces, and boi...
Provides enhanced rebates for income-eligible BGE customers installing high-efficiency heating and cooling equipment. In...
Provides grants for residential solar PV, solar thermal, geothermal, and small wind energy systems installed on owner-oc...
Maryland solar system owners earn one SREC for every 1,000 kWh (1 MWh) their system generates. SRECs can be sold to elec...
Federal tax credit equal to 30% of the total cost of installing a residential solar energy system. Includes solar panels...
Provides rebates for ENERGY STAR certified high-efficiency gas storage water heaters and tankless water heaters. Rebate ...
State tax credit equal to 20% of qualified rehabilitation expenses for historic properties listed on National Register o...
Provides property tax credits to homeowners whose property taxes exceed a certain percentage of their gross income. Avai...
Provides grants to income-eligible homeowners for radon mitigation systems when testing reveals elevated radon levels ab...
Provides home repair grants to active and retired first responders (police, fire, EMS) in Frederick County. Covers emerg...
Provides grants for repair or replacement of failing septic systems for income-eligible homeowners. Failing septic syste...
Provides rebates for replacement of old windows with ENERGY STAR certified energy-efficient windows. Windows must meet s...
Provides grants for flood mitigation measures including elevation, dry floodproofing, wet floodproofing, and acquisition...
Provides rebates for purchase and installation of qualifying smart thermostats that can learn homeowner preferences and ...
Provides heating bill assistance to income-eligible Maryland households through utility credits and benefit payments. In...
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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28 programs are currently listed for Frederick, 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 Frederick, 19 programs do not require repayment, 1 is forgivable loan, and 7 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.