The mic-drop moment at the July 11 Outreach meeting was when the presenter, Tim O’Reilly, who manages building projects for Backyard ADUs, shared that Massachusetts’ Home Modification Loan Program (HMLP) will provide 0% interest loans of up to $50K to eligible households for the building of accessory dwelling units.
Older or disabled adults who are interested in making changes to their homes to increase their long-term, at-home independence, may apply to the program.
Additionally, household members who are not disabled or over 60 can submit applications for home modifications or the creation of accessory dwelling units (free-standing or in the existing home) that will aid older adults or people with disabilities in their households.
Distinct from a home repair program, HMLP provides loans that support projects that may include: ramp and lifts, bathroom and kitchen adaptations, sensory integration spaces, fencing, and, as noted, accessory dwelling units. It’s all about increasing accessibility.
The HMLP is administered for the state by the Community Economic Development Assistance Corporation (CEDAC), which in turn has delegated the processing of applications to regional agencies. For a list of regional provider agencies and eligibility and application information, see the program brochure.
More general information on the program can be found on CEDAC’s HMLP webpage.
2023 Income Limits
| Household size | Maximum Annual Income |
| 1 | $207,800 |
| 2 | $237,600 |
| 3 | $267,200 |
| 4 | $296,800 |
| 5 | $320,600 |
| 6 | $344,400 |
| 7 | $368,200 |
| 8 | $391,800 |
