The Home Modification Loan Program (HMLP), administered by the Community Economic Development Assistance Corporation (CEDAC), offers zero-interest, deferred-payment loans to help Massachusetts residents with disabilities—or those living with household members who have disabilities or are over age 60—make necessary modifications to their homes. Established in 1999 through legislation by the Massachusetts Legislature, the program’s purpose is to allow individuals to remain in their homes and communities by improving safety, independence, and accessibility.
Over the past two decades, HMLP has supported over 3,000 households by financing a range of accessibility improvements. Eligible modifications include ramps, stair-lifts, and platform lifts; kitchen and bathroom upgrades; handrails, brighter lighting, widened doorways, and flooring adjustments; as well as creation of additional living space such as accessory dwelling units or in-law apartments. The program also covers installations such as hard-wired alarm systems, sensory integration or therapy spaces, and fencing when appropriate for accessibility. However, it does not fund repairs for windows, roofs, heating systems, or septic systems.
To qualify, applicants must be residents of Massachusetts and meet income-based eligibility requirements. They must also demonstrate a documented need related to a disability or age of a household member. The program is open to homeowners as well as small landlords making modifications for an eligible tenant. All loans are interest-free and payments are deferred, meaning repayment typically only occurs when the home is sold or transferred.
There is no matching requirement or cost share associated with the program. Applications are reviewed on a rolling basis and funding is contingent on continued support from the state legislature. Interested individuals can determine eligibility and begin the application process by visiting cedac.org or contacting the program directly. Susan Gillam is the program contact and can be reached at sgillam@cedac.org or by phone at 1-866-500-5599.
The Home Modification Loan Program continues to play a critical role in helping individuals with disabilities and older adults live safely and comfortably in their homes while maintaining independence and community connection.
Focus on accessibility improvements that directly impact safety and independence; maintain documentation; connect with HMLP staff early for support
