Housing Rehabilitation

Through the City of Annapolis Housing Rehabilitation Program, eligible Annapolis homeowners may apply for forgiveness loans to make improvements to their homes. The assistance is home improvement performed by a licensed contractor - no monetary loans are involved. Eligibility is based upon annual household income and family size. In addition, the property in question must be the resident's sole and principal residence. Typical repairs include Roof replacement; plumbing and electrical upgrades; furnace replacement; and kitchen and bathroom remodeling.


The U.S. Department of Housing and Urban Development (HUD), Community Development Block Grant (CDBG) program provides the funds for this program. The City has contracted with Arundel Community Development Services (ACDS) to provide these services. Once qualified, home improvement work may be performed on your home at no cost to you unless your home is sold, rented, or transferred within 15 years after you sign a contract. If you sell, rent, or transfer your home within this time frame, you will be required to pay back the entire amount within 11 years. After the 11th year, the loan is reduced by 20% per year for the last 5 years. The maximum expenditure per household is $30,000.


Simply complete the application and mail it to:

Arundel Community Development Services, Inc.
2666 Riva Road, Suite 210
Annapolis, MD 21401

For additional information, please call 410-222-7600.

Critical Home Repairs: Maryland Homeowner Assistance Fund WholeHome Grant


Through the Maryland Homeowner Assistance Fund, approximately $10 million will be available to help homeowners with necessary repairs and energy efficiency improvements. The Homeowner Assistance Fund WholeHome Grant will help Maryland homeowners who have critical repair in their primary residence that they are unable to address because of the financial impact of COVID-19. Without addressing these repairs, it will cause the homeowner to be “involuntarily displaced” from the property. The grant will be capped at $10,000 and will be used to address any critical repairs, including mold remediation, asbestos and lead paint removal, no heat or no air, electrical repairs, plumbing and septic repairs, and other structural and maintenance issues. While this program provides financial assistance for the identified critical repairs, this program is not emergency services.

For more information, call 877-568-6105 or email rehab.hafapplications@maryland.gov.