MassHousing Home Modification Loan Program (HMLP)

Massachusetts Housing Finance Agency

Available Senior & Disability

About This Program

Low-interest loans for accessibility modifications to homes of persons with disabilities or seniors. Covers ramps, lifts, accessible bathrooms, widened doorways, and other modifications. No income limits. Rates starting at 3% with terms up to 15 years.

Low-interest loan for accessibility modifications, no income limit

Official program page checked live on 2026-06-17.

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

Key Details

  • Up to $50,000 for accessibility modifications
  • Interest rates starting at 3%
  • No income limits
  • For seniors or persons with disabilities
  • Terms up to 15 years

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 882-1154

A grant-savvy contractor in Webster, 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 Webster 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.
  • 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: Rolling applications

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