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 interest-free 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 allows them to continue living in the community.

Based on income eligibility, homeowners in northern Middlesex and Essex Counties may apply for up to $50,000 (inclusive of borrower fees) in a deferred payment 0% 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. Landlords with fewer than 10 units may apply for a 3% amortized payment loan.

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

  • CTI has provided over $7,500,000 in HMLP loan funding to local individuals and families.
  • Over 2000 individuals and families have received 0% interest deferred payment HMLP loans since the program began in 1999


Recently, the Community Economic Development Assistance Corporation (CEDAC) and the Massachusetts Rehabilitation Commission (MRC) developed a video to explain the HMLP application process and the program in a simple and easy to understand way. The following video link and can also be found on CEDAC’s website (cedac.org/hmlp). https://youtu.be/8CgwbCd3RRY

Click here to watch a video to learn more about the Home Modification Loan and steps to complete the application.

Click here to listen to Alan Trebat, Program Coordinator, discuss the Home Modification Loan Program on WCAP.

Success Story Examples:

Bathroom Before Modifications and After

Ramp Before Modifications and After


Success Story Examples:


Robert is a 63-year old man with limited mobility due to Multiple Sclerosis.  Robert and his wife came to CTI for assistance to install an accessible bathroom and relocate their laundry area. With an interest free loan from the Home Modification Loan Program Robert was able to modify his home to make it safe and accessible for him. Looks at these before and after photos:








Alice is a wheelchair bound 11-year old with neurological and seizure disorders caused by a brain tumor.  Alice’s family came to CTI for assistance to install an accessible bathroom and replace carpeting with laminate flooring. With an interest free loan from the Home Modification Loan Program Alice’s parents were able to modify their home to make it safe and accessible for her. Check out the before and after photos:

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