Accessible Homes for Seniors

The Maryland Department of Housing and Community Development (DHCD), in partnership with the Maryland Department of Aging (MDoA), are undertaking a project, Accessible Homes for Seniors, to promote accessibility related improvements to the homes of seniors. Home improvements such as these represent for many older people the key to remaining in their home and maintaining their independence.
These improvements may include:
  • Installation of grab bars and railings
  • Installation of ramps
  • Widening of doorways
The program provides zero percent interest, deferred loans for a term of 30 years to finance accessibility improvements. The program is funded by DHCD under the Maryland Housing Rehabilitation Program (MHRP) and is administered by Special Loan Programs. The program is marketed through the local Area Agencies on Aging.

Eligible Applicants
Those eligible for the program must:
  • Be Maryland residents with at least 1 resident age 55 or older
  • Generally must 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
  • Meet income requirements
  • Not have any outstanding federal or state tax liens, open bankruptcy or foreclosure
  • Reside in a home that is structurally sound and free of health and safety hazard
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 owner’s income.

Eligible Improvements
Funds may be used to pay for the actual costs of making the house accessible or functional for the resident. This may include but is not limited to:
  • Grab bars
  • Lever handles
  • Installations of accessible showers
  • Ramps
  • Widening doorways
Additions to accommodate 1st floor bathrooms and laundry rooms will also be considered on a case-by-case basis.

Loan Amount & Term
The maximum loan amount will be up to 85% of the value of the property taking into account any superior mortgages. The loans will be offered for terms of up to 30 years and must be repaid upon sale, transfer or refinance of the property. All closing costs will be included in the loan.

Submitting an Application
Applications are available at local Area Agencies on Aging. Assistance in completing the application is available at the agency or an in-home appointment can be scheduled. Once the application is submitted, it will be processed by DHCD and the applicant will be contacted.