Maryland HomeOwnership Accessibility Modification Program

Maryland Housing Finance Authority

Available Senior & Disability

About This Program

Maryland HomeOwnership Accessibility Modification Program is available to homeowners in Ocean City, MD.

Provides deferred loans to make homes accessible for residents with disabilities. Modifications include ramps, stair lifts, widened doorways, accessible bathrooms, and other ADA-compliant improvements. Loan is forgiven after 10 years of owner-occupancy.

Deferred loan forgiven after 10 years of owner-occupancy

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

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

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

Key Details

  • Deferred loan up to $20,000 for accessibility modifications
  • For households with income up to 100% AMI
  • Covers ramps, lifts, bathroom modifications
  • Forgiven after 10 years of owner-occupancy
  • Must have household member with documented disability

How to Apply

Get free help applying Visit Official Program Page Track this program

(410) 514-7007

A grant-savvy contractor in Ocean 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 Ocean 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).
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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: Applications accepted year-round

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 HomeOwnership Accessibility Modification Program provide in Ocean City, MD?

Up to $20,000 deferred loan.

Who qualifies for Maryland HomeOwnership Accessibility Modification Program in Ocean City?

Maryland HomeOwnership Accessibility Modification Program is open to homeowners in Ocean City, MD.

How do I apply for Maryland HomeOwnership Accessibility Modification Program in Ocean City, MD?

Apply directly with Maryland Housing Finance Authority using the official program link on this page or call (410) 514-7007. 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 Ocean City, MD contractors

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