MassHousing Home Modification Loan Program

Massachusetts Housing Finance Agency

Available Senior & Disability

About This Program

Low-interest loans for accessibility modifications including wheelchair ramps, roll-in showers, widened doorways, stairlifts, and other adaptations. Available to homeowners or family members making modifications for a person with disabilities.

Loan covers full cost of accessibility modifications up to maximum

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest loans up to $35,000
  • Accessibility and safety modifications
  • For people with disabilities or seniors
  • Flexible terms up to 20 years
  • No income restrictions for disability modifications

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Shrewsbury, MA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Shrewsbury early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

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