Massachusetts Home Modification Loan Program (HMLP)

About This Program

The HMLP provides 0% interest deferred loans up to $50,000 (or $30,000 for manufactured homes) to homeowners or landlords who need to make accessibility modifications for a household member with a disability or a resident aged 60 or older. Eligible modifications include wheelchair ramps and lifts, widened doorways, accessible bathrooms and kitchens, sensory spaces, and ADUs. Repayment is deferred until the home is sold or transferred.

0% interest deferred loan, $1,000–$50,000 (up to $30,000 for manufactured homes). Repaid only on sale or transfer. Income guidelines apply based on household gross income.

Key Details

• 0% interest deferred loan — no monthly payments until home is sold
• Up to $50,000 for accessibility modifications (ramps, lifts, widened doors, accessible baths)
• Must have a household member with a disability or be age 60+
• Homeowners and landlords in buildings with fewer than 10 units qualify
• Apply through Metro Housing Boston: metrohousingboston.org or call 617-425-6600

How to Apply

Deadline: Rolling — year-round applications