Home Modification Loan Program (HMLP)

The Home Modification Loan Program provides no interest loans to modify the homes of adults and children with disabilities.

The HMLP provides loans for home modifications, helping individuals with disabilities and older adults live more independently. Established in 1999, the program covers various modifications such as ramps, bathroom adaptations, and additional living space. Loans range from $1,000 to $50,000 based on household size and income, secured by a promissory note and mortgage lien. Manufactured homeowners can borrow up to $30,000. Borrowers receive a 0% interest, deferred payment loan, with repayment upon property sale or title transfer. Regional provider agencies assist applicants across the Commonwealth.

For updated information

Susan Gillam, Home Modification Loan Program


18 Tremont Street, Suite 500, Boston, MA 02108

Phone 1-866-500-5599    Cell: 857-939-7227     

Email sgillam@cedac.org 


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