MassAbility (formerly MRC), administered by Metro Housing Boston and regional agencies
Massachusetts Home Modification Loan Program (HMLP) is available to homeowners in Boston, MA.
The HMLP provides 0% interest deferred loans up to $50,000 (or $30,000 for manufactured homes) to homeowners or landlords who need to make accessibility modifications for a household member with a disability or a resident aged 60 or older. Eligible modifications include wheelchair ramps and lifts, widened doorways, accessible bathrooms and kitchens, sensory spaces, and ADUs. Repayment is deferred until the home is sold or transferred.
0% interest deferred loan, $1,000-$50,000 (up to $30,000 for manufactured homes). Repaid only on sale or transfer. Income guidelines apply based on household gross income.
Data last verified 2026-04-03. How we verify our data.
In Boston, MA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Boston, 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 Boston early keeps your application moving.
Get matched with a contractorThis 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.
Documents you will likely need
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: Rolling, year-round applications
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $50,000.
Massachusetts Home Modification Loan Program (HMLP) is open to homeowners in Boston, MA. It serves seniors.
Apply directly with MassAbility (formerly MRC), administered by Metro Housing Boston and regional agencies using the official program link on this page or call 617-425-6600. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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