{"status":200,"message":"Success","data":{"id":"a99ba8df-33c4-53d0-9f87-86532ac4d8bd","title":"Accessible Homes for Seniors (AHFS) Program","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"531fe575-474b-4d75-8398-ffb84a11acca"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"md:dhcd-accessible-homes-for-seniors-program"},"opp:maryland:system":{"registry":{"code":"opp:maryland:system","url":"https://md.api.cg.a6lab.ai/common-grants"},"id":"50e189f6-e505-5c20-b89c-f1bd7853a6bf"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"See official page"},"description":"The Maryland Department of Housing and Community Development (DHCD), in partnership with the Maryland Department of Aging, offers zero-interest deferred loans and grants to help senior homeowners age 55 or older make accessibility-related improvements to their homes so they can age in place. Eligible improvements include widened doorways, accessible showers, ramps, grab bars, lever handles and lever-style sink hardware, railings, first-floor bathroom and laundry room additions, and main-level bedroom and bath additions. Loans carry zero percent interest with no payments required for up to 30 years; repayment is deferred until the home is sold, transferred, or refinanced with cash out (unless transferred to a family member who occupies it as their primary residence), with all closing costs included. Monthly payments can be set up at the borrower's request. If the homeowner still resides in the home at the end of the 30-year term, the state can extend the deferral period if repayment is not possible. Deferral continues if a spouse remains in the home. Maximum loan amount is up to 110% of the property value accounting for existing mortgages (Baltimore County specifies up to 85% of property value); there is no fixed loan cap, and the average loan is anticipated to be around $10,000–$15,000 but can be more. Grants of up to $25,000 are available for senior homeowners who earn less than 50% of area median income and do not qualify for a loan. Household income for loans cannot exceed 80% of the statewide or Washington DC MSA median. The program is administered statewide through DHCD and locally through Area Offices on Aging, including the Frederick County Senior Services Division and Baltimore County Aging Services. Rental properties are not eligible, though landlords with 1–4 units may apply to the Maryland Housing Rehabilitation Program instead. Additions for caregivers and condo applications are considered on a case-by-case basis. The program is designed to help seniors avoid moving to assisted living or other facilities.","funding":{"details":"Between $10,000 and $15,000","minAwardAmount":{"amount":"10000.00","currency":"USD"},"maxAwardAmount":{"amount":"15000.00","currency":"USD"}},"funders":{"primary":{"id":"bcbcccdb-0afd-52f3-9f98-dd0257007c14","name":"Maryland Department of Housing and Community Development","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","allIds":[{"id":"8fedad3d-6e5f-4b39-b56f-6325a4cc09bf","status":"active"},{"id":"834b3d8b-c62f-4ead-ac42-2eb43df5aa2e","status":"active"},{"id":"6edab60f-4b54-4d89-9aa1-8ae8083d53ef","status":"active"},{"id":"08e6922c-cc8d-49b8-8a90-5542613d0e74","status":"active"},{"id":"1a3ee814-85ff-4535-a796-a1f4c6864471","status":"active"},{"id":"d79075bb-0c92-4049-80ac-78c330ae609b","status":"active"}]},"org:us:md:agency":{"registry":{"code":"org:us:md:agency","url":"https://opengrants.io/common-grants/registries/org-us-md-agency.json"},"id":"DHCD"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Open (no specific deadline stated)"}}},"acceptedApplicantTypes":[{"value":"individual","description":"Individual"}],"source":"https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants/accessible-homes-seniors","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"name":"Special Loan Programs","email":"DHCD.SpecialLoans@maryland.gov","phone":"301-429-7409"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"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; 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 For loans: 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.​ Check income limits for your household size - PDF - 101.23 KB"},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://dhcd.maryland.gov/","description":"Maryland Department of Housing and Community Development grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"grant+loan","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"Other","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-10-29T08:48:16Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"MD","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"dhcd","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"DHCD","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://dhcd.maryland.gov/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Individual"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"• About Us\n• Leadership Team\n• Organizational Structure\n• Careers\n• How Can We Help You?","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Between $10,000 and $15,000","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"• Get an application : Download or pick up an application at your local county housing office or Maryland Access Point agency.  Get help applying (optional): If you need help filling out the application, your local agency can assist you in person or schedule an in-home appointment.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"electronicSubmission":{"name":"electronicSubmission","fieldType":"string","value":"url: https://dhcd.maryland.gov/energy-home-repair/homeowner-repair-loans-grants/accessible-homes-seniors;","description":"Where applications are submitted (url: … or email: …)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Open (no specific deadline stated)","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"See official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"dhcd-accessible-homes-for-seniors-program","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-maryland/#p-dhcd-accessible-homes-for-seniors-program","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://dhcd.maryland.gov/Energy-Home-Repair/Pages/Homeowner-Loans/Accessible-Homes-Seniors.aspx","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"upstreamSource":{"name":"upstreamSource","fieldType":"string","value":"maryland","description":"Upstream CommonGrants API this record is also served by (src/data/state-portals/upstreams.json)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-10-29","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-09-17T17:15:13.18822+00:00","lastModifiedAt":"2026-11-09T12:40:36Z","competitions":[],"awards":[]}}