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Department of Aging: Accessible Homes for Seniors
  Department of Aging
  1440 Taney Avenue
  Frederick, MD 21702

  Fax: 301-600-3554

  8:30 a.m. - 4 p.m.
  Monday - Friday
Accessible Homes for Seniors Program
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. 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 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. 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 one 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 hazards.

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: widening doorways, installations of accessible showers, ramps, grab bars and lever handles. Additions to accommodate first 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 percent 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.