Home Modification Loan Program

Modifying Homes for Accessibility

handicaprampAbout This Program

The Home Modification Loan Program helps families and individuals modify their homes for improved accessibility to allow family members living in the home who are elderly or disabled to continue living independently. The Program provides low or no interest loans to homeowners who need to modify their homes because one or more people living in their home is elderly or disabled. The loan allows them to make structural modifications to ensure the safety of the family members in need and allow them to continue living in the community.

Based on income eligibility, homeowners and landlords in northern Middlesex and Essex Counties may apply for $1,000 up to $30,000 (inclusive of borrower fees) in a deferred payment loan or amortized loan for access modifications to the principle residence of elders, adults with disabilities and families with disabled children. The Homeowner hires a contractor of their choice to modify their home.

 It is important to note that this program does not provide reimbursement for modifications completed prior to loan approval.

 Materials you can download:

For Property Owners: Home Modification Loan Programs

Home Modification Borrower Application with FAQs 2016

Home Modification Contractor Application – Full Bid Form 2016

  • Serving Essex and Middlesex Counties
  • For elderly and disabled home owners and tenants
  • Low and no interest loans to modify homes for improved access
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