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.

2016 Income Guidelines

2016 Income Guidelines: Income guidelines are based on HUD published median income for the Boston MESA and are updated annually.

2016 Income Guidelines
Household size0% (DPL)
up to 100% of Median Income
0% (Amortized Loan)
up to
125% of Median Income
3% (Amortized Loan)
125% to 200% of Median Income
1up to $68,700up to $85,875up to $137,400
2up to $78,500up to $98,125up to $157,000
3up to $88,300up to $110,375up to $176,600
4up to $98,100up to $122,625up to $196,200
5up to $106,000up to $132,500up to $212,000
6up to $113,800up to $142,250up to $227,600
7up to $121,700up to $152,125up to $243,400
8up to $129,500up to $161,875up to $259,000


This information is provided by the Massachusetts Rehabilitation Commission.