Billerica Housing Rehabilitation Loan

Town of Billerica CDBG Program

Available Home Repair

About This Program

Billerica Housing Rehabilitation Loan is available to homeowners in Billerica, MA.

Deferred, zero-interest loans up to $35,000 for major home repairs and rehabilitation. Available to low- and moderate-income Billerica homeowners at or below 80% AMI. Loan is deferred and forgiven after 10 years of continued owner occupancy. Covers roofing, siding, windows, heating, and structural repairs.

Deferred loan, forgiven after 10 years of continued residency

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

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

Key Details

  • Deferred loan up to $35,000, zero interest
  • Income at or below 80% AMI required
  • Forgiven after 10 years of owner occupancy
  • Covers major repairs and rehabilitation
  • Must be owner-occupied in Billerica

How to Apply

Get free help applying Visit Official Program Page Track this program

(978) 671-0656

A grant-savvy contractor in Billerica, 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 Billerica 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 year-round while funds available

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can Billerica Housing Rehabilitation Loan provide in Billerica, MA?

Deferred loan up to $35,000.

Who qualifies for Billerica Housing Rehabilitation Loan in Billerica?

Billerica Housing Rehabilitation Loan is open to homeowners in Billerica, MA. It prioritizes low-income households.

How do I apply for Billerica Housing Rehabilitation Loan in Billerica, MA?

Apply directly with Town of Billerica CDBG Program using the official program link on this page or call (978) 671-0656. 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.

Get matched with a pro, free Browse Billerica, MA contractors

Find More Programs in Billerica, MA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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