Maryland HOME Program

Maryland Department of Housing and Community Development

Available Home Repair

About This Program

Maryland HOME Program is available to homeowners in Ellicott City, MD.

Federal HOME funds administered through local jurisdictions for rehabilitation of owner-occupied homes. Deferred loan with no monthly payments, forgiven after 15 years of occupancy or due upon sale or refinance.

Deferred loan, no monthly payments, forgiven after 15 years

Official program page 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

  • Deferred loan up to $30,000 for rehabilitation
  • Income at or below 80% AMI required
  • No monthly payments during occupancy
  • Forgiven after 15 years of owner-occupancy
  • Contact Howard County for local administration

How to Apply

Get free help applying Visit Official Program Page Track this program

(410) 514-7288

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).
  • 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: Varies by local administrator

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 Maryland HOME Program provide in Ellicott City, MD?

Up to $30,000 deferred loan.

Who qualifies for Maryland HOME Program in Ellicott City?

Maryland HOME Program is open to homeowners in Ellicott City, MD. It prioritizes low-income households.

How do I apply for Maryland HOME Program in Ellicott City, MD?

Apply directly with Maryland Department of Housing and Community Development using the official program link on this page or call (410) 514-7288. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Ellicott City, MD contractors

Find More Programs in Ellicott City, MD

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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