Who is Eligible?

Any homeowner who is a frail elder or has a disability, has a household member who has a disability, or rents to an individual with a disability (in a building with fewer than 10 units) may apply for this loan. The residence's owner must apply for the loan. Some landlords may be eligible for a 3% loan for a tenant with a disability.

In determining who is eligible:

  • Income guidelines are based on the total gross household income.
  • The unit requiring modifications must be the primary, principal residence of the individual with the disability.
  • The modifications to be made to the residence must be necessary to allow the beneficiary to remain in the home and must specifically relate to their ability to function on a daily basis.
  • The homeowner cannot have previously obtained an HMLP loan for the same property.

2014 Income Guidelines

2014 Income Guidelines: Income guidelines are based on HUD published median income for the Boston MESA and are updated annually.

2014 Income Guidelines
Household size0% (DPL)
up to 100% of Median Income
3% (Amortized Loan)
100% to 200% of Median Income
1up to $65,900up to $131,800
2up to $75,300up to $150,600
3up to $84,700up to $169,400
4up to $94,100up to $188,200
5up to $101,700up to $203,400
6up to $109,200up to $218,400
7up to $116,700up to $233,400
8up to $124,300up to $248,600



This information is provided by the Massachusetts Rehabilitation Commission.