For Property Owners
A Loan Provides Path to Independence
Home Modification Loan Program is a statewide program funded by the Massachusetts Rehabilitation Commission to help elders and people with disabilities increase the accessibility of their residences through no interest loans.
*Please note landlords can qualify for a 3% amortized loan for an eligible tenant
The program offers loans from $1,000 to $50,000 to individuals and families for modifications related to a disability. Typical modifications include installation of ramps and lifts, widening of doorways, and alteration of kitchens and bathrooms. 0% interest loans do not have to be repaid until the home is sold or transferred.
Who is eligible?
Any homeowner who has a disability, has a household member who has a disability, or rents to an individual with a disability may apply for a loan. Income guidelines are based on the total household gross income of the homeowner.
The home requiring modifications must be the primary, principal residence of the individual with a disability. Modifications must be necessary to allow the beneficiary to remain in the home.
Home Modification Loan Program Application (English)
Fill out this form and submit a signed copy to jennifer.shaw@metrohousingboston.org
Download PDFHome Modification Loan Program Application (Spanish)
Fill out this form and submit a signed copy to jennifer.shaw@metrohousingboston.org
Download PDF2022 Income Guidelines
Income guidelines are based on HUD published median income for the Boston MESA and are updated annually.
2022 Income Guidelines |
|
| Household Size | Eligible with Gross Income up to: |
| 1 | $196.400 |
| 2 | $224,400 |
| 3 | $252,400 |
| 4 | $280,400 |
| 5 | $303,000 |
| 6 | $325,400 |
| 7 | $347,800 |
| 8 | $370,200 |
Step by Step: The Home Modification Loan Program
Video courtesy of CEDAC and MRC
Contractors
Need a contractor for your home modification? View this list of suggested contractors.
Other Funding Sources
Learn about other funding sources for home modification