Housing Rehabilitation

City of Annapolis – Owner Occupied 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 period, 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 five years. The maximum expenditure per household is $30,000.  

Program Qualifications: 

  • Homeowner in Annapolis, MD
  • Have a combined household income of less than 60% of Area Median Income.  

Information needed to complete the Property Rehabilitation Program pre-application

  • Proof of income for all people living in the home
  • Proof of Homeownership
  • Proof of Homeowners insurance
  • Proof that mortgage payments are up to date

Simply complete the pre-application and mail it to:  

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

410-222-7619 (fax)
For additional information, please call 410-222-7600.

Home Repair - Rebuilding Together Anne Arundel County

Also funded with CDBG dollars, Rebuilding Together Anne Arundel County, Maryland provides home repairs for qualifying county homeowners in need.  RBT can assist with most types of repair needs.  Please verify the Program Qualifications before applying.  You may receive up to $10,000 worth of home repairs at no cost to you.    

Program Qualifications: 

  • Homeowner in Annapolis, MD
  • All persons on deed must reside in the home needing repair
  • Have a combined household income of less than 50% of Area Median Income. 
  • Demonstrate a legitimate need
  • Unable to perform the work themselves
  • Owned home for more than 2 years and plan to reside in the home for at least two years after repairs 

Information needed to complete Application for Home Repairs:

  • Information about all people living in the home
  • Proof of income for all people living in the home
  • Proof of Homeownership

Simply complete the application and mail it to:

Rebuilding Together Anne Arundel County
819 Ritchie Hwy, Suite 2000
Severna Park, MD 21146

Email: Information@RebuildingTogetberAAC.org or Fax: 410-923-9996

Maryland WholeHome

The Maryland WholeHome Program can help you make valuable repairs and enhancements to your home that can lower your family’s monthly utility bills and improve your quality of life.  The Maryland Department of Housing and Community Development finance this program. 

Maryland WholeHome grants and loans can be used to upgrade to energy efficient appliances, repair or replace heating and cooling systems, replace insulation, add accessibility features for seniors or those with special needs, removing lead paint, upgrade plumbing, and address structural and maintenance issues. With low-interest rate loans and grants, having a healthier home that saves money is easier than ever. 

They offer a range of programs that help homeowners maintain safe, comfortable, and accessible homes for their families. These programs help Maryland homeowners invest in affordable improvements that can help save money on heating and cooling costs, enhance livability for senior residents and those with special needs, and make repairs to meet building codes for safer living. 

Loans and grants are based on what type of work is needed, as well as household income and ability to repay. The maximum interest rate is 4% and may be as low as zero, payments may be deferred, and there is no application fee. 

  • Home Repair Improvements
  • Plumbing and septic repairs
  • Roof repair/replacement
  • Correct building code violations
  • Reduce/eliminate lead paint hazards
  • Repair/replace porches
  • Address structural or maintenance issues
  • Install accessibility aids such as hand railings, ramps, grab bars, wider doorways

Learn more about the full range of programs we offer for loan and grant for home repairs, or call toll-free 1-844-369-4150 to start your application. 

Energy Efficiency Improvements

  • Install Energy Star appliances
  • Improve air quality
  • Retrofit lighting
  • Install energy conservation materials/insulation
  • Seal air and whole house envelope
  • Upgrade/repair HVAC systems, clean furnaces, improve heating/cooling functions 

Learn more about the full range of programs they offer for energy efficiency improvements, or call them at 1-855-583-8976 to start your Maryland Home Rehabilitation Program Application.

For further information on all three programs, please call Denise Ruffin at 410-263-7961 x 7727.