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Home Modification Loans

Home Modification Loans

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.

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Download the Flyer (Spanish)

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.



Individuals and families have received 0% interest deferred payment HMLP loans since the program began in 1999


In HMLP loan funding to local individuals and families provided by CTI

  • Name
  • Title
  • Programs
  • Phone
  • Email

Catherine Tammany

Home Modification Loan Programs
Phone: 978-654-5741

Gladys Santiago

Administrative Assistant, Financial Education Center
Financial Coaching, Financial Education, Financial Literacy Academy, Home Modification Loan Programs, Housing Supports, Representative Payee, Secure Jobs
Phone: 978-654-5673

Westford bathroom after

Accessible Bathroom Installation in Billerica

Before After 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 View Program
Billerica bathroom after

Accessible Bathroom Installation in Westford

Before After 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 View Program

Separate Living Space Built in Haverhill

Before After Taylor is 26 years old and has multiple disabilities. Tina Magilio and her boyfriend Shawn worked with Community Teamwork’s Catherine Tammany, HMLP Coordinator and obtained a $50,000 HMLP loan to create a separate living space View Program

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More About This Program:

Eligibility Information

What are the income eligibility requirements? Income eligibility guidelines for this loan program are updated annually and are based on the information published by the U.S. Department of Housing and Urban Development. All homeowners with a total gross household income of up to 200% of the area median income (AMI) are eligible for the 0%-interest, deferred-payment loan.

2024 Income Guidelines
Household Size – Eligible with Gross Income up to:

  • 1 – $228,400
  • 2 – $261,200
  • 3 – $293,800
  • 4 – $326,400
  • 5 – $352,600
  • 6 – $378,800
  • 7 – $404,800
  • 8 – $430,800

All applicants with a total gross household income of up to 200% area median income (AMI) qualify for a 0% interest, deferred payment loan. Monthly payments are not required on the deferred payment loan. Payment of the HMLP loan will be required when the property is sold or the property title is transferred to someone else or into a Trust. Repayment could also be required if any condition of the loan agreement is not met.

Click to download the towns served list

How to Apply

How do I apply? There are ten (10) agencies, serving ten (10) regions, throughout the Commonwealth. These agencies work directly with HMLP applicants. If you need help or reasonable accommodations during your application process, please let your local provider know.

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