MassHousing Home Improvement Loan

Massachusetts Housing Finance Agency

Available Home Repair

About This Program

Affordable home improvement loan for Massachusetts homeowners to make major repairs or accessibility modifications. Fixed interest rates and flexible terms available through participating lenders.

Estimated loan for major home repairs or renovations

Verified against Massachusetts Housing Finance Agency's official page on 2026-06-17.

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

Key Details

  • Loan up to $50,000 for home improvements
  • Fixed interest rates available
  • Flexible repayment terms
  • For repairs, renovations, accessibility
  • Must be owner-occupied primary residence

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Stoughton, 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 Stoughton 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

The MassHousing Home Improvement Loan Program (HILP) offers affordable, fixed-rate loans to help Massachusetts homeowners repair, renovate, improve safety or energy efficiency, or make a home accessible. You apply through a participating lender in your community; the maximum household income is 136,200 dollars.

Steps to apply

  1. Confirm you own and occupy the Massachusetts home and your household income is within the limit (136,200 dollars).
  2. Plan your improvements and get contractor estimates.
  3. Contact a HILP participating lender serving your community (listed on the MassHousing website).
  4. Complete the lender's application and close the fixed-rate home improvement loan.
Get the official form

Documents you will likely need

  • Proof you own and occupy the home.
  • Proof of household income (within 136,200 dollars).
  • Contractor estimates for the planned improvements.
  • The lender's loan application and your credit information.
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: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Stoughton, MA contractors

Find More Programs in Stoughton, MA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs