Vehicle Donation

Neighborhood Revitalization Initiative

Critical Home Repair Programs

Our Neighborhood Revitalization Initiative is designed to pursue Habitat for Humanity’s strategic imperative of helping to transform and strengthen communities so that those who reside in them will be able to live and grow into all that God intends for them.

Program Overview

About the Neighborhood Revitalization Initiative Programs

Critical Home Repair Program: Strengthening Foundations, Rebuilding Futures

Empower Your Home with Safety and Stability.

At Habitat for Humanity of Wicomico County, we recognize the importance of a safe, healthy home. Our Critical Home Repair Program is tailored to assist homeowners in Wicomico and Somerset Counties by offering necessary repairs to address health, safety, and structural issues. From roof repairs to accessibility enhancements, we’re committed to improving your quality of life.


Grants may or may not have to be repaid.

Each program has its own unique qualifications. Whether deferred for a specified number of years with no payment component or deferred until the owner dies, each program dictates the terms.

Low and no interest loans are available.

Program requirements vary. Example; if the total cost of a new roof is $10,000.00, the monthly payment on a 0% interest loan at 120 months would be $84 and at 240 months would be $42. Payment terms are determined on an individual basis.

Steps to Apply for a Habitat Home

Steps to Apply for the Critical Home Repair Program

Program Highlights

If you’re facing challenges with home maintenance, let us help you find the right solutions. Our program not only addresses immediate repair needs but also invests in the long-term well-being of our community’s residents.

Step One

Request a Consultation Call

Call 410-546-1551 ext. 105 to speak with someone in our office about your specific needs. During this call, we will explain each program to you.

Step Two

Application & Gather Documentation

Once the consultation call is complete, you will be emailed or mailed an application. Gather documentation—Once you have gathered the required documents, call for an appointment with the Critical Home Repair assistant.

Step Three


Bring completed application and ALL required documents to your appointment.

Here's what to bring with you to your scheduled appointment:​

  • Permanent Resident Card (Green Card) OR social security card and current Driver’s License for both applicants. If providing these documents, they must be in color.
  • Proof of homeownership – Copy of each; most recent mortgage statement, property tax statements, and copy of Deed
  • Proof of homeowner’s insurance (declaration page)
  • Copy of flood insurance document, if applicable
  • Last two (2) years tax returns or W-2 forms for BOTH applicant and co-applicant and any household member over 18
  • 2023 and 2022 Social Security 1099 statements for applicants receiving social security and/or SSI
  • Last four (4) consecutive pay stubs for Applicant, Co-Applicant, and any household member over 18
  • Last two (2) months of bank statements for each applicant. Must include ALL pages even if blank
  • Documents showing the amounts ordered for each household member who receives:
    • __Alimony
    • __Child Support (if used as a source of income on your application)
  • Documents showing proof of monthly amounts received for the following:
    • __AFDC/TANF
    • __Food Stamps
  • Proof of any other income
  • Non-refundable credit report fee.

Section 504 USDA / Rural Development Loans and Grants

USDA Section 504 Home Repair program, provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

  • Maximum loan is $40,000
  • Maximum grant is $10,000
  • Loans and grants can be combined for up to $50,000 in assistance.

USDA makes all final decisions on applicants.

All programs are based on the availability of funds and programmatic qualifications. 


Please call our office for more information on our grant and loan programs.

*All programs are based on the availability of funds and programmatic qualifications.

We do business in accordance with the Federal Fair Housing Law (The Fair Housing Amendments Act of 1988) We do not discriminate against any person because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin.

Qualifying for this program

Qualification for the Critical Home Repair Programs

A quick checklist to see if you qualify for these programs:

If you can answer ‘yes’ to these questions, you likely qualify for these programs. 

  • Are you a homeowner?
  • Do you live in Wicomico or Somerset County?
  • Do you have homeowners insurance?
  • Do you have flood insurance? (if required)
  • Is your total household income below 80% AMI? (Area Median Income)
  • Is the home owner occupied?
  • Are your property taxes paid?

Explore Critical Home Repair Programs

Program Success & Impact

Meet the Families and Hear their Stories

Meet the Families & Hear How these Programs Transformed their Lives

Every home has a story, and every story is a cornerstone of our community. Discover the heartwarming journeys of families whose lives have been transformed through Habitat for Humanity’s home building and repairing efforts.

Program Gallery

Collaborators & Supporter of these Programs

Through your support and collaboration, our mission is possible.

Collaborators & Supporters​

Through your investment and collaboration, our mission is possible.

Alexandra Frey

Alfred and Ruth Beattie

American Bail Services, LLC

Andrea Wisner

Ani Mathers

Anne Morris

Anonymous Donor

Apostle Expert Exteriors

Avery Hall Insurance

AWB Engineers

Bagel bakery Cafe

Becker Morgan Group

Benita Harris

Beshara Helou

Beth and John Sharpley

Brenden Frederick

Caliber Collision

Cape Auto Performance

CFS Retirement & Tax Solutions

Chris Eccleston

Christ United Methodist Church

Christopher Miles

Cindy and Robert Tardiff

Coastal Life Reality Group

Darcy Bunting

David Sciortino

Dawit Demissie

Delaware Elevator

Dennis Rice

Discount Carpet Pro Floor Systems Rolo Inc.

Don Bailey

Elizabeth and Garrett Layton

Elizabeth Wootten

Galaxy Gymnastics LLC.

Gillis Gilkerson Inc.

GiveSendGo, LLC

Global Home

Goosehead Insurance

Gregory and Kimberly Ferrier

Haley Brow

Hamilton Morgan

Hank Yuloff

High Tech Inspections

Jackie and Joe Gast

Jacob and Amy Bechard

James and Jan Perdue

James Cockey

Jeffrey and Leslie Michalik

Jeffrey and Patricia Vivalo

Jennifer Lefebvre