The Home Modification Loan Program provides financing to disabled, cognitive, developmental, environmental sensitivity and neurological disabled persons and their families. Borrowers must reside in the home being modified.

Funds are provided to make access and egress improvements, enable individuals to remain independent and make structural improvements affecting the safety of individuals and caregivers.

Funding is provided through a state-funded loan program of the Massachusetts Rehabilitation Commission in collaboration with the Community Economic Development Assistance Corporation (CEDAC). RCAP Solutions is the direct administrator of this program for all of Worcester County and portions of Norfolk and Middlesex County as well.

Additional Information:

Check out the HMLP brochure in English and Spanish.

To apply, download and complete the HMLP application: English | Spanish

Helpful Links

Home Modification Loan Program Website: Includes information on eligibility guidelines, types of loans available, the loan process, and other helpful information.

Click here if you are a landlord interested in the Home Modification Loan Program.

Click here for a list of contractors in the Central Massachusetts area.

Step by Step: The Home Modification Loan Program

For more information, please contact Ashur Gurbuz, Residential Loan Fund Manager, 978-630-6725, Email: agurbuz@rcapsolutions.org