MassHousing Home Improvement Loan Program (HILP)

MassHousing, Massachusetts Housing Finance Agency

Available Home Repair

About This Program

MassHousing Home Improvement Loan Program (HILP) is available to homeowners in Boston, MA.

MassHousing's Home Improvement Loan Program (HILP) provides fixed-rate loans from $7,500 to $50,000 for improvements and repairs to 1-4 family owner-occupied Massachusetts homes and condos. Eligible uses include structural repairs, accessibility modifications, energy upgrades, and bringing homes up to building code. No income limit applies. Loans are originated by a network of participating lenders statewide.

Fixed-rate loan, $7,500-$50,000. No income limit. Must have owned and occupied the home for at least 1 year. Apply through participating lenders at masshousing.com.

Verified against MassHousing, Massachusetts Housing Finance Agency's official page on 2026-06-17.

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:

Key Details

  • Fixed-rate loans from $7,500 to $50,000, no income limit
  • Covers structural repairs, energy upgrades, accessibility mods, and code compliance
  • Must have occupied the home as your primary residence for at least 1 year
  • Property must be a 1-4 family owner-occupied home or condo in Massachusetts
  • Apply through participating lenders, find one at masshousing.com/hilp-lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

617-854-1000

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 contractor

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.
  • 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: Rolling, continuous applications through participating lenders

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 MassHousing Home Improvement Loan Program (HILP) provide in Boston, MA?

Up to $50,000.

Who qualifies for MassHousing Home Improvement Loan Program (HILP) in Boston?

MassHousing Home Improvement Loan Program (HILP) is open to homeowners in Boston, MA. It has no income limit.

How do I apply for MassHousing Home Improvement Loan Program (HILP) in Boston, MA?

Apply directly with MassHousing, Massachusetts Housing Finance Agency using the official program link on this page or call 617-854-1000. 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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Find More Programs in Boston, MA

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

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