The Maryland Department of Housing and Community Development offers a program for accessibility related improvements to the homes of seniors. These improvements may include, among others, the installation of grab bars and railings, widening of doorways and installation of ramps. Home improvements such as these represent for many older people are the key to remaining in their home and maintaining their independence.
The program provides zero percent interest, deferred loans for a term of 30 years to finance accessibility improvements for seniors 55 and older. The funds may only be used to pay for the actual costs of making the home accessible or functional for the resident.
The household income cannot exceed 80% of the Statewide or Washington DC MSA median. If the senior resides in the home of a relative, eligibility is based on the income of all persons occupying the home as their primary residence.
Participants also must:
- Be a Maryland resident with at least one resident 55 years of age or older
- Own and occupy the home to be renovated as their principal residence (Seniors living with relatives will be considered on a case by case basis)
- Reside in a home that is structurally sound and free of health and safety hazards
- Not have any outstanding federal or state tax liens, open bankruptcy or foreclosure
- Meet income requirements