Parent Page: Property Owners

Home Modification Loan Program

Home Modification Loan Program (HMLP) is a statewide program funded by MassAbility 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 PDF

HOME MODIFICATION LOAN PROGRAM APPLICATION (SPANISH)

Fill out this form and submit a signed copy to jennifer.shaw@metrohousingboston.org
Download PDF

2025 Income Guidelines

Income guidelines are based on HUD published median income for the Boston MESA and are updated annually.

 

2025 INCOME GUIDELINES
Household Size Eligible with Gross Income up to:
1 $231,600
2 $264,800
3 $297,800
4 $330,800
5 $357,400
6 $383,800
7 $410,200
8 $436,800

Video courtesy of CEDAC and MRC

Contractors

Need a contractor for your home modification? View this list of suggested contractors.

Guide and Bid, Scope of Work and Contract Form

Resources and FAQ

Other Funding Sources

Learn about other funding sources for home modification

Communities we serve

Metro Housing|Boston serves individuals and families, as well property owners, in 30 communities throughout Greater Boston.

  • Arlington
  • Bedford
  • Belmont
  • Boston
  • Braintree
  • Brookline
  • Burlington
  • Cambridge
  • Chelsea
  • Everett
  • Lexington
  • Lynn*
  • Malden
  • Medford
  • Melrose
  • Milton
  • Newton
  • North Reading
  • Quincy
  • Reading
  • Revere
  • Somerville
  • Stoneham
  • Wakefield
  • Waltham
  • Watertown
  • Wilmington
  • Winchester
  • Winthrop
  • Woburn

*Metro Housing|Boston does not administer RAFT, Voucher Programs, or HomeBASE assistance in Lynn. See Lynn Housing Authority.
*In addition to the 30 communities listed above, Metro Housing|Boston administers rental voucher programs in Holbrook, Randolph, and Weymouth. If you are specifically seeking RAFT assistance in those communities, you must apply instead to NeighborWorks. (https://nhsmass.org/).

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