Written by Angela, HorizontalHouses.com, August 27, 2025
My journey: A Maryland Wheelchair User’s Path to Independence
Buying and adapting a home as a wheelchair user in Maryland was a challenge—but thanks to comprehensive state and county resources, it became possible to purchase and remodel a ranch home for true accessibility. Many people with various disabilities can benefit from these specialized programs, whether the goal is to buy or to make an existing home safer and more functional.
Resources to Help Buy a Home:
Maryland Mortgage Program “HomeAbility”
HomeAbility is a conventional loan offering up to 95% of the purchase price as a first mortgage, plus up to 25% (capped at $45,000) as a second mortgage for down payment and closing costs. The combined LTV may not exceed 105%. The second lien is interest-free, with repayment deferred until the first mortgage is paid off, the home is sold, or transferred. Eligibility is open to buyers with disabilities or those caring for a disabled family member. Total household income must be at or below 80% of Area Median Income, and a homeownership counseling certificate is required. Apply through the Maryland Mortgage Program’s network of approved lenders. More details and eligibility: HomeAbility Program Information.mmp.maryland
Partner Match and Financial Assistance Programs
Qualified buyers using 1st Time Advantage 6000 or Flex 6000 loans can receive additional down payment help matched up to $2,500 from verified partner programs (employers, builders, community organizations, or local governments). This matching assistance is provided as a no-interest, deferred loan by the state, repayable only when the primary mortgage is paid in full. The official Maryland Program site allows users to search for Partner organizations and learn more: Maryland Mortgage Program Partner
Design for Life Program (Montgomery County)—For Homebuyers
Montgomery County’s Design for Life (DFL) program offers property tax credits for newly constructed homes that incorporate universal design features for accessibility. Buyers can receive up to $3,000 for VISITable homes (Level I accessibility) or up to $10,000 for LIVEable homes (Level II accessibility). Tax credits are distributed at a rate of up to $2,000 per year. The DFL program also provides impact tax credits for developers meeting accessibility standards. More about the DFL program, including technical guidelines and application steps: Design for Life Program.montgomerycountymd+1Maryland-disable-homeownership-resources.docx
Universal Design Ordinance (Prince George’s County, taking effect 2026)
Starting January 2026, at least half of new single-family and multi-family homes built in Prince George’s County must include universal design elements in entrances, interior routes, and key living spaces. These legally required features widen future homebuying access for people with disabilities, as new inventory will be built with accessibility in mind. This effort supports not only current residents with mobility needs but also helps people age in place.
To learn more about, please listen to Accessibility Is Home Season 3, episode 1: The New Era of Inclusive Home Construction.
Resources to Help Modify a Home:
Maryland Assistive Technology Financial Loan Program (MDTAP)
The Maryland Department of Disabilities (MDTAP) runs a low-interest financial loan program for purchasing assistive technology, including home accessibility modifications. The program considers applicants with limited income, poor credit, or high debt ratios—provided there is ability to repay. Unsecured loans for home modifications are available up to $20,000, and general assistive technology loans up to $70,000. Anyone intending to make a home more accessible for a Maryland resident with a disability can apply, including relatives and caregivers. Applications require basic identification and are submitted online via the Maryland OneStop portal. Details and application: MDTAP Loan Program.onestop.md
Design for Life Program (Montgomery County)—Existing Home Modifications
In addition to new construction incentives, Montgomery County offers property tax credits of up to $2,500 to owners installing major accessibility features in their primary residence. Qualifying features include permanent ramps, bathroom/laundry accessibility improvements, and other universal design elements. The credit covers up to 50% of eligible costs if at least $500 is spent, with the application and more details available on the county’s Design for Life
Baltimore County Housing Accessibility Modification Program (HAMP)
HAMP provides grants to Baltimore County homeowners and renters with disabilities for a wide range of needed accessibility improvements. Eligible applicants must have a disability and a household income at or below 80% of the county median. Modifications can include wheelchair ramps and lifts, accessible bathrooms, widened doorways, increased lighting, grab bars, and more. An inspector reviews all proposed work, which must be done by licensed contractors. See program details: HAMP PDF.baltimorecountymd
Maryland Accessible Homes for Seniors Program
For residents aged 55 or older owning their principal residence, the Accessible Homes for Seniors program offers deferred loans (up to 30 years, 0% interest) or grants (up to $25,000 for those not loan-eligible). Improvements may include adding ramps, stair lifts, widened doors, lever handles, lighting, and first-floor bathrooms or bedrooms. Applications are available through local Area Agencies on Aging or Maryland Access Point offices, with documents submitted directly to the Department of Housing and Community Development. Information and application resources: Accessible Homes for Seniors.lol.dhcd.state
By combining these programs, Marylanders with disabilities—and their families—can overcome many barriers to homeownership and independent living. Each resource has a specific application process and eligibility requirements, so review the official documentation and reach out to the administering agencies for guidance specific to your needs.