Find grants, rebates, forgivable loans, and free programs for Gaithersburg, MD, filtered to your situation.
As of June 2026, 32 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Gaithersburg, MD, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 18 require no income limit.
Data last verified 2026-05-25. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 18 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 3 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 8 | 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 free energy efficiency improvements to reduce heating and cooling costs for income-eligible households. Service...
Provides forgivable loans to low- and moderate-income homeowners for necessary home repairs and improvements. Loan is fo...
Provides free lead hazard reduction services for homes built before 1978 where children under 6 reside. Services include...
Offers rebates for installation of high-efficiency electric heat pumps to replace less efficient heating systems. Rebate...
Free in-home energy assessment that includes installation of LED bulbs, smart power strips, low-flow showerheads, and fa...
Provides rebates for installation of ENERGY STAR certified high-efficiency natural gas furnaces with AFUE of 95% or grea...
Offers rebates for installation of ENERGY STAR certified natural gas storage or tankless water heaters. Rebate amount va...
Provides grants to offset the cost of residential solar photovoltaic system installation. Grant amount is based on syste...
Provides grants to senior homeowners age 62+ for necessary home repairs and accessibility modifications to allow aging i...
Provides forgivable loans for accessibility modifications to homes occupied by persons with disabilities. Modifications ...
Provides free lead hazard reduction services for homes where a child has been identified with an elevated blood lead lev...
Provides grants and low-interest loans to very low-income homeowners in eligible rural areas to repair, improve, or mode...
Helps veterans with certain service-connected disabilities purchase or modify a home to accommodate their disability. Av...
Helps veterans with certain service-connected disabilities adapt a family member's home in which they reside. Available ...
Provides emergency grants for urgent home repairs that pose immediate threats to health and safety of low-income homeown...
Provides comprehensive energy efficiency upgrades at no cost to income-qualified customers. Services may include insulat...
Offers rebates for purchase of ENERGY STAR certified appliances and equipment including refrigerators, clothes washers, ...
Provides grants to help offset the cost of repairing or replacing private water and sewer lateral lines on residential p...
Provides low-interest home improvement loans to moderate-income homeowners for necessary repairs and improvements. Featu...
Uses federal HOME funds to provide forgivable loans for substantial rehabilitation of owner-occupied homes. Addresses ma...
Provides rebates for installation of residential renewable energy systems including solar photovoltaic, solar thermal, g...
Provides cost-share grants to homeowners for repair or replacement of failing septic systems. Grant covers up to 50% of ...
Offers rebates for purchase and installation of Level 2 electric vehicle charging equipment at residential properties. H...
Provides low-interest loans to owners of historic properties listed in the National Register of Historic Places or locat...
Provides rebates for installation of residential stormwater management practices such as rain gardens, conservation land...
Offers rebates for installation of wildlife exclusion devices that prevent animals from entering attics, crawl spaces, a...
Provides property tax credits to eligible homeowners whose property tax burden exceeds a percentage of their gross incom...
Provides property tax credits up to 100% of the county portion of property taxes for seniors age 65+ with limited income...
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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32 programs are currently listed for Gaithersburg, 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 Gaithersburg, 18 programs do not require repayment, 3 are forgivable loans, and 8 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.