Howard County Owner-Occupied Rehabilitation Program

Howard County Office of Community Development (CDBG)

Available Home Repair

About This Program

Howard County Owner-Occupied Rehabilitation Program is available to homeowners in Ellicott City, MD.

Provides major home repairs and rehabilitation for owner-occupied households in Howard County with income at or below 80% AMI. Loan is forgiven after 10 years of continuous owner-occupancy.

Forgivable loan, no repayment if you stay in the home 10 years

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Ellicott City, MD, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $50,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Howard County
  • Forgiven after 10 years of occupancy
  • Covers structural, roofing, HVAC, plumbing, electrical

How to Apply

Get free help applying Visit Official Program Page Track this program

(410) 313-6400

A grant-savvy contractor in Ellicott City, MD can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Ellicott City early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications, subject to fund availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Howard County Owner-Occupied Rehabilitation Program provide in Ellicott City, MD?

Forgivable loan up to $50,000.

Who qualifies for Howard County Owner-Occupied Rehabilitation Program in Ellicott City?

Howard County Owner-Occupied Rehabilitation Program is open to homeowners in Ellicott City, MD. It prioritizes low-income households.

How do I apply for Howard County Owner-Occupied Rehabilitation Program in Ellicott City, MD?

Apply directly with Howard County Office of Community Development (CDBG) using the official program link on this page or call (410) 313-6400. There is no middleman and no fee.

Need a Contractor for This Grant?

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