

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.
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.
Income guidelines are based on HUD published median income for the Boston MESA and are updated annually.
Step by Step: The Home Modification Loan Program
Video courtesy of CEDAC and MRC