Amherst Owner-Occupied Rehabilitation Program

Town of Amherst (CDBG)

Available Home Repair

About This Program

Amherst Owner-Occupied Rehabilitation Program is available to homeowners in Amherst, MA.

CDBG-funded program providing deferred-payment loans up to $50,000 for major home repairs for low- and moderate-income homeowners in Amherst. Loan is secured by a lien and deferred until sale, transfer, or refinancing. Income must be at or below 80% AMI.

Deferred loan with no monthly payments, forgiven if property transferred to income-qualified buyer

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Amherst, MA, you can combine this program with other local help to cut your cost:

Key Details

  • Deferred loan up to $50,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Amherst
  • No monthly payments, due upon sale/transfer
  • Covers structural, electrical, plumbing, roofing

How to Apply

Get free help applying Visit Official Program Page Track this program

(413) 259-3009

A grant-savvy contractor in Amherst, MA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Amherst early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted on rolling basis

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Amherst Owner-Occupied Rehabilitation Program provide in Amherst, MA?

Deferred loan up to $50,000.

Who qualifies for Amherst Owner-Occupied Rehabilitation Program in Amherst?

Amherst Owner-Occupied Rehabilitation Program is open to homeowners in Amherst, MA. It prioritizes low-income households.

How do I apply for Amherst Owner-Occupied Rehabilitation Program in Amherst, MA?

Apply directly with Town of Amherst (CDBG) using the official program link on this page or call (413) 259-3009. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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