Boston Senior Home Repair Loan

City of Boston, Mayor's Office of Housing / Boston Home Center

Available Home Repair

About This Program

Boston Senior Home Repair Loan is available to homeowners in Boston, MA.

The Senior Home Repair Loan provides Boston homeowners aged 62 and older with a 0% interest deferred loan of up to $12,000, primarily targeted at replacing aging or failed heating systems. Applicants must be owner-occupants of 1-4 family homes in Boston with household income at or below 80% AMI. No repayment is required while the homeowner remains in the property.

0% interest deferred loan. Income limit: 80% AMI. Must be age 62+ owner-occupant.

Verified against City of Boston, Mayor's Office of Housing / Boston Home Center'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

  • 0% interest deferred loan, no repayment while you stay in the home
  • Covers heating system replacement and essential home repairs
  • Must be age 62 or older and own/occupy a 1-4 family home in Boston
  • Income limit: at or below 80% Area Median Income
  • Apply through Boston Home Center at 617-635-4663

How to Apply

Get free help applying Visit Official Program Page Track this program

617-635-4663

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

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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • 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, funds subject to availability

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 Boston Senior Home Repair Loan provide in Boston, MA?

Up to $12,000.

Who qualifies for Boston Senior Home Repair Loan in Boston?

Boston Senior Home Repair Loan is open to homeowners in Boston, MA. It prioritizes low-income households. It serves seniors.

How do I apply for Boston Senior Home Repair Loan in Boston, MA?

Apply directly with City of Boston, Mayor's Office of Housing / Boston Home Center using the official program link on this page or call 617-635-4663. There is no middleman and no fee.

Need a Contractor for This Grant?

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Find More Programs in Boston, MA

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