MA headline: HMLP 0% deferred loan up to $50,000 (effectively a grant). Plus MassHealth Frail Elder waiver for income-eligible. Among the most generous state programs nationally.

Active programs

Home Modification Loan Program (HMLP)

0% interest deferred loan up to $50,000 for accessibility modifications.1 Repaid only when home is sold or transferred.

Eligibility: documented disability or aging-related need. Income guidelines apply but generous.

MassHealth Frail Elder Waiver

For seniors 60+ at nursing-home level of care.2 Covers personal care services, adult day health, and some home modifications.

Income limit ~$2,901/month, asset $2,000 individual.

How to apply

For HMLP:

  1. Contact Massachusetts Rehabilitation Commission.
  2. Complete application with documentation of need.
  3. In-home assessment.
  4. Approved modifications coordinated through licensed contractors.

For Frail Elder Waiver:

  1. Contact ASAP (Aging Services Access Point) for your area.
  2. thorough assessment.
  3. Care plan including approved modifications.

What to do next

For MA heat pump rebates, see Massachusetts heat pump rebates 2026.

For broader context, see senior programs by state.