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 $40,000.