The housing repair loan program can help income eligible Howard County homeowners make necessary repairs to their homes. The housing repairs can be done to meet local housing codes for health and safety conditions. Repairs may include, but are not limited to: heating and air systems, electrical wiring, plumbing, roofs, windows, doors, painting and landscaping. Cosmetic upgrade items may also be eligible. This program can help homeowners stay in their homes, address outstanding maintenance and repair items and improve overall neighborhood appearance.
This housing repair loan program can also assist homeowners with repairs or improvements to assist with mobility, hearing, or vision issues. These repairs can help make it easier to get in or around the home. Ramps, chair lifts, or grab bars are just some of the modifications that can be made through the program for eligible households.
Who is eligible?
You must be a homeowner in Howard County and live in the home as your primary residence. Your household income may not exceed 80% of Howard County Area Median Income adjusted for family size. All property taxes, homeowner’s insurance premiums and outstanding home mortgages must be current.
Pre-Application for the Housing Repair Loan Program - click here to download
Program Description and Income Limits - click here to download updated January 2022
Please call 410-313-6316, Monday - Friday from 8:30 a.m. to 5:00 p.m. Upon receipt of the completed pre-application, you will be contacted to confirm your eligibility for the program.
Other Resources for Housing Repairs
The Howard County Housing Department also administers the Maryland Housing Rehabilitation Program (MHRP) and the Maryland Whole Home program to County homeowners on behalf of the Maryland Department of Housing and Community Development. The program offers low-interest loans and grants to assist homeowners with home upgrades and repairs. The household income limits and loan underwriting criteria are established by the State. For more information, contact the Howard County Housing Department at 410-313-6328.