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.