Home Repair Loan Assistance

Through the City of Rockville's Single Family Rehabilitation Program, eligible Rockville homeowners may apply for forgiveness loans to make improvements to their homes. The assistance received will be in the form of home improvements - no monetary loans are involved.

Eligibility is based upon annual household income and family size. In addition, the property in question must be the resident's sole and principal residence. Typical repairs include: Roof replacement; plumbing and electrical upgrades; furnace replacement; and kitchen and bathroom rehabilitation. City of Rockville prioritizes low-income homeowners that meet gross income requirements and applicants prioritized according to severity of repair need.

Income Requirements

Eligibility is based upon annual household income and family size, according to the following table: (Effective: April 11, 2022)

Household Size	Maximum Gross Income
1	$49,850
2	$56,950
3	$64,050
4	$71,150
5	$76,850
6	$82,550
7	$88,250
8	$93,950

Eligibility

In addition to income limits per household size, the following eligibility criteria will be applied:

Home must be owner's primary residence.
Owner cannot own another home or condo.
Owner cannot owe more than the worth of the home.
Assets cannot exceed $150,000.
Must be up-to-date on property taxes.
Ownership is verified through property tax records and deed.

Read more about program eligibility in the Single-Family Rehabilitation Program Summary brochure.

Application Process

Apply for an Eligibility Assessment

Download and complete the eligibility assessment application and mail it to:

City of Rockville
Department of Housing and Community Services
111 Maryland Avenue
1st Floor
Rockville, MD 20850

Eligibility Review

After the eligibility assessment is accepted, you will be notified by the Rehabilitation Specialist to complete the eligibility review. You will need to submit the most recent copies of the following:

Most recent Federal and State of Maryland tax returns.
Income statements (e.g. W-2s, 1099, retirement savings, investment account, pension or Social Security.
Current Homeowner's insurance policy. Document must include coverage dates.
Most recent mortgage or home equity loan statement. Document must include balance.
Most recent checking and savings account statements.

Loan Disbursement

Application materials will be reviewed and work prioritized by the Rehabilitation Specialist.

Review can take up to 7-10 business days.

Once qualified, home improvement work may be performed on your home at no cost to you unless your home is sold, rented or transferred within (5) years after the completion of the work. If you sell, rent or transfer your home within this time frame, you will be required to pay back immediately a percentage of the contract price, which is reduced by 20% per year for five years. The maximum expenditure per household is $25,000.

This program is intended to correct code deficiencies, not make property improvements. The Rehabilitation Specialist prioritizes code deficiencies to address the most serious problems. If the dwelling was built before 1978, lead testing is required; if lead-based paint is found to be in a deteriorated condition, it must be addressed before any other work is undertaken.

The City of Rockville Single-Family Rehabilitation Program is funded by the Federal Community Development Block Grant (CDBG) program.