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Be SMART home
MD Dept. of Housing & Community Development (DHCD)


Be SMART Home Program Administrator
MD DHCD 100 Community Place
Crownsville Maryland 21032

Program Overview

Be SMART home is a program that offers innovative financing to improve home energy efficiency through replacement and upgrading of appiances, heating, cooling and ventilation systems and whole house envelope improvements in 15 targeted communties. Eligible homeowners must reside in the city and/or town limits of the following targeted communities: Berlin, Cambridge, Chestertown, Cumberland, Denton, Easton, Elkton, Frostburg, Oakland, Princess Anne, Dundalk, Westminister, Havre de Grace, Salisbury and Takoma Park.

Property Eligibility Requirements

Benefit Details

Up to $15,000 is available to eligible homeowners.

Benefit: Loans covering ENERGY STAR improvements are offered at an interest rate of 6.99%. Loans covering weatherization and whole home envelope improvements are offered at an interest rate of 4.99%
Owner Occupancy Required:0
Other Program Comments:Free home energy audits are available for a limited time in the 15 target communities to get started with energy savings.

Please note: Every attempt is made to reflect accurate and up to date information on housing programs displayed on this site. Some inaccuracies may exist. For verification contact a certified REALTOR member or a participating Lender.

For more information about this and other homebuyer programs please contact one of the following:

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