Record last updated 2026/02/20 Comment on this info .Update this info

Narrative

Home Modification Loan Program (HMLP) is a statewide program funded by MassAbility. It helps elders and people with disabilities (PwD) increase the accessibility of their homes through no interest loans.

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 a person with a disability (PwD) 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 PwD. Modifications must be necessary to allow the person to remain in the home.

Service Types

• Equipment - Repair
• Financial Assistance

Program Type

• Financial Assistance
• Home Modification

Populations Served

• All Disabilities
• Developmental Disability
• Elderly Person with disabilities
• Intellectual Disabilities
• Physical Disabilities
• Visual Impairment

Ages Served

• Birth to 3
• 3 - 4
• 5 - 8
• 9 - 13
• 14 - 18
• 19 - 22
• 23 – 59
• 60 +

Languages Spoken

• Arabic
• Cape Verdean
• Chinese-Cantonese
• Chinese-Mandarin
• Haitian
• Haitian-Creole
• Italian
• Portuguese
• Portuguese-Creole
• Russian
• Spanish

Accessibility Features

• Accessible Parking
• Elevators
• Wheelchair Ramps

Additional Information

• Fees: Free Service, Personal Funds