Improving Your Home with 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.​​

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, remove 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.

We 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.

Maryland Whole​Home flyer​

Home Rehabilitation and Critical Repairs

  • 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 home repairs.   

Energy Efficiency

  • Install EnergyStar 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 we offer for energy efficiency.  

Other Programs

  • Independent Living Tax Credit: Learn how to apply for the new Maryland state income tax credit available to residents who are renovating their home to make it more accessible​.
  • Ground Rent Redemption Loan Program​: A financing program to provide loans to homeowners to buy out ground leases (most prevalent in Baltimore City but present throughout Maryland).