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Frederick County Maryland assistance programs.

Cash grants, loans, and other financial help is available for low income families in Frederick County. Find where to apply at for rent or security deposit help, utility or electric bill assistance, and more. The main agencies (churches, charities, and non-profits) to contact are below. The support, when combined with free counseling (for debts, foreclosure prevention, or employment) are key to helping the low income get on the right track.

Find free health care and medical assistance.

The Mission of Mercy program located in Frederick County, Maryland provides residents with free health care and other medical assistance. The health care program is in the process of being expanded by over 10% as the result of grants provided to it. Currently the clinic help people with their health care needs, and helps tens of thousands of people per year with physician visits, check ups, and they provide other medical services. In addition, they disburse over 20,000 free prescription medications each and every year.  Find other ways to get health care assistance. Continue.

They will be adding staff as well. An additional staff physician will added to the staff, supporting two additional clinic days per month. Health care services will be provided to those in need who lack health insurance and also to those who are struggling and have limited financial resources. Phone (301) 682-5683.

Emergency and crisis assistance programs

If you need access to emergency help, crisis assistance, counseling, or other resources contact the Religious Coalition for Emergency Human Needs. Phone 301-631-2670.

  • Foreclosure and eviction prevention - They have helped hundreds of local families either avoid evictions or foreclosures. They accomplish this by providing assistance through financial assistance and direct cash grants from the Religious Coalition. In addition, they also partner closely with local government (both state of Maryland and Frederick) and other agencies, and have created a system that has been established to help prevent evictions. In addition, families are also helped with budget and debt counseling to prevent future problems, such as foreclosures. Click here to learn about Maryland foreclosure mediation programs.




  • Utility bills - The Religious Coalition’s Energy Assistance Fund will help clients by working with the Frederick County Department of Social Services and the local Religious Coalition to receive aid for bills.
  • Emergency food - Get access to free food for an emergency.
  • Medical bills, prescriptions, and other health care needs - Vouchers for prescriptions and health care expenses are supplied for care to patients, and the vouchers are arranged through a network of providers such as dentists, physicians, and pharmacists. The religious coalition also makes referrals to other local agencies and services.

Additional services may be provided by the Coalition, as funding and resources allow. More Religious Coalition emergency financial assistance.

Seton Center Inc. is an agency that helps families in Emmitsburg and Frederick County. They help low income and people at or below the federal government poverty level. Among some of the services they offer include the following. Phone (301) 447-6102

-Call the center to access emergency help with vouchers for free food and items in the thrift shop, such as clothing and household products. Receive access to rental assistance programs, utilities and heating bill help, prescription drugs, gasoline, car insurance and repairs. A thrift shop on site provides low income individuals with quality clothing and household goods at affordable prices. They also offer holiday food and gifts, such as -Christmas gifts.

Job training is another free job search program that is offered which helps clients with keeping and finding a job. Participants in the job program are provided valuable information on resume writing, interview skills, community resources and networking skills. Read more Seton Center assistance programs.





Two other non profit agencies to contact for assistance include the Salvation Army (410-347-9944) and Catholic Charities 410.547.5490. Both of these agencies offer access to a variety of programs, such as rent help, limited funds for paying heating and utility bills, free food, and information on various government programs and local aid agencies.

The Salvation Army offers several services to the low income. In addition to what is mentioned above, other so called basic needs can be met. The non-profit may have free school supplies or Christmas toys for low income families and children, short term housing, and meals for Frederick Maryland families. Other social services may be motel vouchers and a thrift store for clothing. Read Salvation Army Frederick County.

Last, but not least, contact Frederick Community Action Agency. This local agency offers a wide array of assistance programs and services to local individuals and families. The agency provides low to moderate income qualified applicants with free food, shelter, hospital and medical care, rent help, housing, and other forms of assistance to families and individuals. (301) 600-1506

  • Mortgage default and foreclosure counseling - Housing Counselors will help homeowners determine the overall direction that will best serve the homeowners needs. If you are currently delinquent in your mortgage or think that you may fall behind, and if you have not entered into negotiations or have not made payments and have not made arrangements with your bank or lender to rectify this, seek out this help immediately from the agency.
  • Energy bills - The agency can also guide you through the process of applying for help for paying energy and heating bills.
  • Housing programs - This ranges from the state of Maryland RAP grant program for back rent to no interest loans. The homeless can also get referrals to security deposit programs and transitional housing from the Frederick Community Action Agency.
  • Self-sufficiency such as education and job placement services. Staff can also refer very low income and the disabled to benefits such as SSI, or families can receive vouchers from SNAP.

For more information on the Frederick Community Action Agency, people from the county can stop by or call the main office. Or click here for information.





Walkersville Maryland based Glad Valley Community Services runs an emergency relief fund that provides both financial assistance and cash grants for paying utilities (such as electric, heating, gas, and water), funds for buying heating oil and mortgage and/or rent assistance grants. Other aid is offered on a one off basis. Call 301-845-4229.


By Jon McNamara

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