Find grants, rebates, forgivable loans, and free programs for Ocean City, MD, filtered to your situation.
As of June 2026, 25 home improvement grant, rebate, and forgivable loan programs are open to homeowners in Ocean City, MD, with individual awards up to $126,526. 6 programs target seniors, 2 serve veterans, and 14 require no income limit.
Data last verified 2026-06-09. How we verify our data.
| Funding type | Programs | Repaid? | Best for |
|---|---|---|---|
| Grants | 13 | Never repaid | Income-qualified homeowners |
| Forgivable loans | 2 | Forgiven after a residency period | Larger repairs with no money down |
| Rebates | 6 | 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 income-eligible households in Maryland. Services include insulation, air...
Provides deferred loans to make homes accessible for residents with disabilities. Modifications include ramps, stair lif...
Provides grants and low-interest loans to eliminate lead hazards in pre-1978 homes. Grants available for owner-occupied ...
Offers rebates for Delmarva Power residential customers who install high-efficiency ENERGY STAR certified central air co...
Rebate for Delmarva Power residential customers who install ENERGY STAR certified heat pump water heaters. Heat pump wat...
Rebate for Delmarva Power customers who purchase and install an ENERGY STAR certified smart thermostat. Smart thermostat...
Rebate for Delmarva Power customers who add insulation to their attic, walls, or crawlspace. Requires professional insta...
Provides grants to Maryland residents who install solar photovoltaic systems on their homes. Grant is $1,000 for systems...
Property tax credit for Maryland homeowners age 65+ or 100% disabled with household income below state limits. Credit am...
Provides loans and grants to very-low-income homeowners in rural areas to repair, improve, or modernize their homes. Loa...
Grant for veterans with certain service-connected disabilities to build, buy, or modify a home to meet their disability-...
Grant for veterans with certain service-connected disabilities to modify their homes for accessibility. Eligible disabil...
Provides forgivable loans to low- and moderate-income homeowners in Worcester County for major home repairs and improvem...
Provides emergency repair grants to low-income homeowners in Worcester County for urgent health and safety issues. Prior...
Provides 0% interest loans up to $30,000 to upgrade failing septic systems in the Chesapeake Bay watershed. Covers cost ...
Provides matching grants to strengthen homes against windstorms and hurricanes in coastal Maryland. Covers roof reinforc...
FEMA-funded program to reduce flood risk for properties in Special Flood Hazard Areas. Projects include home elevation, ...
Low-interest home improvement loan for Maryland homeowners to make critical repairs. Maximum loan of $30,000 at 3% fixed...
Property tax credit for Worcester County residents age 65 or older with household income below county limits. Credit red...
Rebate for Maryland homeowners who install backup power systems including solar with battery storage, whole-home generat...
Rebate for Maryland residents who purchase and install a Level 2 home electric vehicle charging station. Encourages EV a...
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 Ocean 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 Ocean City, 13 programs do not require repayment, 2 are forgivable loans, and 6 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.