Maryland Financial Assistance Programs

Are you struggling to make ends meet? If so, you should know that the state of Maryland offers several financial assistance programs that can help. From Medicaid to housing assistance to free tax preparation services, many programs are available to Maryland residents who need help making ends meet. 

In this blog post, we’ll take a closer look at the types of financial assistance Maryland offers.

What is the Maryland Energy Assistance Program?

The Maryland Energy Assistance Program (MEAP) is administered by the Maryland Department of Housing and Community Development (DHCD), which assists low-income households with their energy bills. 

Eligibility for MEAP is based on household size, income level, and the type of energy service being used. The program helps eligible families pay their heating and cooling costs. MEAP also provides energy conservation measures and weatherization services to help households lower their energy bills.

MEAP pays a one-time annual grant directly to energy providers on behalf of an eligible household. The payment amount is based on the household’s income and energy needs. 

Families receiving Supplemental Nutrition Assistance Program (SNAP) benefits are automatically eligible for MEAP. The program also offers emergency assistance in cases of imminent disconnection of home heating and cooling services.

To apply for MEAP, households must complete an application and submit it to the DHCD or a designated partner organization. Applicants must provide proof of identification, Social Security numbers, income, and the energy service used. 

Check Also: How Can I Get Free Money From The Government?

What is the Maryland Homeowners’ Property Tax Credit?

The Maryland Homeowners’ Property Tax Credit is a program designed to provide property tax relief to qualifying Maryland homeowners. The program provides credits against the homeowner’s annual property taxes based on income and other criteria. 

Eligible applicants must meet specific criteria, such as having a gross household income of $60,000 or less for the tax year, owning and occupying the property for at least six months of the taxable year, and using the home as a primary residence. Qualifying homeowners can receive credits of up to $1,000 annually, depending on their income and other factors. 

Additionally, local governments can opt into the program to provide additional credits. These credits may cover up to 50% of the property tax bill, provided that the eligible household meets specific criteria. 

Read Also: How To Get Financial Assistance For Disabled People

To apply for the Maryland Homeowners’ Property Tax Credit, eligible homeowners must complete an application form and submit it along with proof of ownership, income verification, and other documents.

Maryland Financial Assistance Programs

What is the Maryland State Rental Allowance Program?

The state of Maryland funds the Maryland State Rental Allowance Program (MSRAP) to provide financial assistance to low-income families needing rental assistance. The program assists eligible families with rent, security deposits and other housing costs associated with renting an apartment or home. 

Eligible households must be below certain income levels and meet other criteria the Maryland Department of Housing and Community Development set. Eligible families are offered assistance up to the median market rent for their area.

The amount of assistance is based on the family’s size, income, and other factors. To qualify for assistance, the family must live in an approved housing unit and have a valid lease or rental agreement. Assistance is paid directly to the landlord on behalf of the family. 

Check Also: How To Get Hotel Vouchers For Homeless People?

What is the Maryland Mortgage Assistance Program?

The Maryland Mortgage Assistance Program (MMAP) is a state-funded initiative that assists homeowners struggling to make their mortgage payments due to temporary financial hardship. Through the program, qualified applicants can receive up to $20,000 in assistance to help them meet their monthly mortgage payments and keep their homes.

MMAP is designed to help homeowners facing financial difficulties due to job loss, unexpected medical bills, or other temporary hardships. It is not intended for homeowners facing long-term financial hardships. Eligible homeowners can receive up to $20,000 over three years. 

To qualify for MMAP, homeowners must meet specific income guidelines and have an acceptable debt-to-income ratio. Applicants must also be current on their mortgage payments, demonstrate the ability to pay their mortgage in the future, and be able to demonstrate that they are facing financial hardship. 

What is the Maryland Emergency Rental and Utility Assistance Program?

The Maryland Emergency Rental and Utility Assistance Program (MERA) is a state-run program designed to help individuals and families struggling to pay their rent and utilities due to a loss of income or an increase in expenses. 

The program is funded through the Maryland Department of Housing and Community Development and provides temporary financial assistance to eligible households. MERA can provide up to three months of rental and utility assistance, depending on the household’s needs and eligibility.

Eligible applicants for MERA include renters, homeowners, and utility customers who have experienced a loss of income, an increase in expenses or are at imminent risk of eviction or utility shutoff. In addition, all applicants must meet specific requirements regarding household size, income level, and residency status to qualify for the program.

If approved, households can receive up to three months of rental and utility assistance. This can include assistance with paying rent, utilities, security deposits, and other costs associated with housing. MERA also provides supportive services such as job training and referrals to local programs that can provide additional assistance. 


How Do I Apply for Financial Assistance in Maryland?

You can apply for financial assistance in Maryland by visiting the myDHR website and clicking on the Apply for Benefits link. 

Are There Any Restrictions on Eligibility for Financial Assistance in Maryland?

Maryland has several programs to help residents pay for college, but some eligibility restrictions exist. To be eligible for financial assistance through the Maryland Higher Education Commission (MHEC), you must complete the Maryland Financial Assistance Application Process (MSFAA) through the MDCAPS portal.


Living in Maryland can be expensive, and it’s important to know that resources are available to help you manage your finances. If you struggle to pay your bills or make ends meet, consider applying for one of these programs. Each program is designed to help provide individuals with financial relief, so don’t hesitate to take advantage of them if needed.