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The Home Modification Loan Program (HMLP) is a Massachusetts state-funded loan program that provides 0% interest financing to homeowners for projects that might include:
- Ramps and lifts
- Bathroom and kitchen adaptations
- Sensory integration spaces
- Fencing
- Creation of Accessory Dwelling units or in-law apartments
Find Out if You Qualify
Are you a homeowner in Massachusetts?
Are you filling out this questionnaire on behalf of another person?
Is there a household member who has a documented limitation or disability or is an older adult?
Are you looking for financial assistance to fund accessibility renovations or modifications related to the household member's ability to function in the home on a day-to-day basis?
(e.g. ramps and lifts, hardwired alarm systems, fencing, sensory spaces, accessory dwelling units, bathroom, and kitchen adaptations)
Is your household gross income at or below these guidelines?
(see table for the program's income limits, update for 2023)
| Household Size | Max. Annual Income |
|---|---|
| 1 | $207,800 |
| 2 | $237,600 |
| 3 | $267,200 |
| 4 | $296,800 |
| 5 | $320,600 |
| 6 | $344,400 |
| 7 | $368,200 |
| 8 | $391,800 |
Based on your answer, you most likely are not eligible. Please contact us at 866-500-5599 to learn more.
Based on your answer, you most likely are not eligible. Please contact us at 866-500-5599 to learn more.
Based on your answers, you're likely eligible for a home modification loan. Please contact us to start the process:
Borrower Testimonials
Accessible Entrance, Southampton
Ruth and Leonard Perrault learned about HMLP from the staff at the rehabilitation facility where Ruth was recovering from a recent amputation surgery. HMLP allowed them to completely remodel the existing bathroom and entrance to their home so it is wheelchair accessible. They describe the impact of these modifications as allowing Ruth to “feel less dependent on others” and has “significantly improved her spirits and outlook on life since the operation”.
Studio Apartment Conversion, Fitchburg
HMLP helped the DeRosa/Silva Family to modify their home to create a studio apartment with an accessible bathroom and entrance for their daughter Valeria, who has Cerebral Palsy and uses a wheelchair for mobility.
Bathroom Adaptation, Sandwich
The Dykeman family took out a HMLP loan for their son, John with Muscular Dystrophy, to better access his familiar surroundings. The modifications included reconfiguration of their downstairs space for better wheelchair accessibility. The family also transformed John’s living area to help meet his future needs and create a more independent space, with an accessible bathroom with a curbless shower, along with laminate flooring for ease of clean-up and additional storage and space for other medical equipment.
Accessible Entrance, Southampton
Ruth and Leonard Perrault learned about HMLP from the staff at the rehabilitation facility where Ruth was recovering from a recent amputation surgery. HMLP allowed them to completely remodel the existing bathroom and entrance to their home so it is wheelchair accessible. They describe the impact of these modifications as allowing Ruth to “feel less dependent on others” and has “significantly improved her spirits and outlook on life since the operation”.
Studio Apartment Conversion, Fitchburg
HMLP helped the DeRosa/Silva Family to modify their home to create a studio apartment with an accessible bathroom and entrance for their daughter Valeria, who has Cerebral Palsy and uses a wheelchair for mobility.
Bathroom Adaptation, Sandwich
The Dykeman family took out a HMLP loan for their son, John with Muscular Dystrophy, to better access his familiar surroundings. The modifications included reconfiguration of their downstairs space for better wheelchair accessibility. The family also transformed John’s living area to help meet his future needs and create a more independent space, with an accessible bathroom with a curbless shower, along with laminate flooring for ease of clean-up and additional storage and space for other medical equipment.
Accessible Entrance, Southampton
Ruth and Leonard Perrault learned about HMLP from the staff at the rehabilitation facility where Ruth was recovering from a recent amputation surgery. HMLP allowed them to completely remodel the existing bathroom and entrance to their home so it is wheelchair accessible. They describe the impact of these modifications as allowing Ruth to “feel less dependent on others” and has “significantly improved her spirits and outlook on life since the operation”.