1,000+ Opportunities
Find the right grant
Search federal, foundation, and corporate grants with AI — or browse by agency, topic, and state.
This listing may be outdated. Verify details at the official source before applying.
Find similar grantsHome Modifications Loan Program (HMLP) is sponsored by Massachusetts Rehabilitation Commission. The Home Modification Loan Program (HMLP) is specifically designed to assist homeowners with disabilities, or parents of children with disabilities, in Massachusetts.
Get a weekly digest of new grants like this
A free weekly digest of new foundation and federal funding opportunities as they're added to Granted. Unsubscribe anytime.
Or search similar grants →Extracted from the official opportunity page/RFP to help you evaluate fit faster.
Home Modification Loan Program (HMLP) | RCAP Solutions Live more safely at home! The Home Modification Loan Program (HMLP) provides 0% interest loans up to $50,000 to make homes more accessible.
The Home Modification Loan Program (HMLP) is a state-funded lending program that provides no-interest loans to homeowners to fund necessary changes to keep themselves or a family member with a disability or mobility impairment living comfortably in their own home. The program has generous income guidelines and allows for accessibility renovations based on the household member’s medical need.
This program can benefit anyone in the house who has a disability or mobility impairment; the homeowner themself, their child, or an elderly family member. Loans can range from $1,000 to $50,000 are based on medical need and income eligibility. RCAP Solutions administers this program to Central Massachusetts residents in collaboration with MassAbility and the Community Economic Development Assistance Corporation (CEDAC) .
HMLP for Homeowners & Family Members Complete the HMLP Application: English | Spanish Identify a qualified general contractor and complete the bid form Possible Home Modifications Ramps, stair lifts, and platform lifts Accessible bathroom and kitchen modifications Sensory or therapy spaces Can modifications be made to a mobile home?
Yes, HMLP also lends $1,000 to $30,000 loans to owners of manufactured or mobile homes, secured by a promissory note and security agreement. Are these loans repayable? Repayment is required when property is sold or when the property’s title is changed.
There are no required monthly payments and no interest.
Information for Landlords Landlords with less than 10 units may apply for a loan at 3% interest Loans range from $1,000 to $50,000 Landlords renting to family member with disabilities may qualify for a 0% Deferred Loan with a one-time payment In most cases, homeowners who rent units to disabled family members are eligible Benefits of HMLP for Landlords Ensures stable tenancy/decreased vacancy rates Reduces tenant turnover and improves the stability of your property Increases the pool of tenants who might rent from you in the future Makes unit desirable to individuals with disabilities, families with disabled children, and the elderly Examples of Modifications Home Modification Loan Program Website : Includes information on eligibility guidelines, types of loans available, the loan process, and other helpful information.
HMLP Application: English | Spanish HMLP Brochure: English | Spanish Click here for a list of qualified contractors in the Central Massachusetts area. HMLP Resources for Contractors HMLP Information for Contractors Website : This site is specifically designed for construction contractors working with homeowners who have secured financing through the Massachusetts Home Modification Loan Program (HMLP).
FAQs for General Contractors : This is a document to help answer questions general contractors often have. HMLP Bid Form : This form must be completed by a licensed and insured contractor (the “Contractor”) and signed by both the Contractor and the homeowner. The document is important for the homeowner’s HMLP loan application for project funding.
Have questions? Looking for assistance? If you have any questions or are interested in learning more about these services, please contact us via email: homemodloan@rcapsolutions.
org or phone: (978) 630-6725 Home Modification Loan Program (HMLP) Helps Family Members With Disabilities Live Safely in Their Own Houses This video features an uplifting testimonial from a Home Modification Loan Program (HMLP) borrower.
🚨 Important Notice Regarding Change in Office Hours 🚨 Our Housing Consumer Education Center (HCEC) is available via phone and email Monday through Friday from 8:30 AM – 4:30 PM (closed from 12:00 PM – 1:00 PM for lunch). In‑person appointments are offered on Mondays, Tuesdays, and Thursdays. The Subsidized Housing & Rental Assistance (Section 8/voucher programs) department is closed to the public on Fridays.
All calls and emails will be returned as they are received the following business day. Thank you for your understanding and cooperation.
According to the current listing, eligibility includes: Applicants must be homeowners in Massachusetts with disabilities or parents of children with disabilities. Income requirements apply, and an evaluation of the home's condition is needed. Confirm the full requirements in the official notice before applying.
Home Modifications Loan Program (HMLP) is funded by Massachusetts Rehabilitation Commission. Verify program details on the funder's official page before applying.
This opportunity targets applicants in Massachusetts. If your organization operates elsewhere, check the official notice for location requirements.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
Past winners and funding trends for this program
The OpenAI Foundation is putting $100 million behind Breakthroughs to Follow-Through, a Common Health Coalition initiative aiming to at least double hepatitis C cure rates in eight states and localities within two years. Alabama, Illinois, Louisiana and Massachusetts go first, money flows to local collaboratives and nonprofits, and the grants are deliberately not tied to any one AI vendor. Here is what makes an organization fundable under it.
Read articleThe Cummings Foundation's flagship program will award $35 million to roughly 150 eastern-Massachusetts nonprofits in 2027, up from $30 million — and nearly all of it now flows as unrestricted general operating support. Letters of Inquiry opened July 15 and close September 16, 2026. Here is who qualifies, how the multi-year and 10-year tracks work, and how to write an LOI that survives the first cut.
Read articleCummings Foundation grew its annual local program from $30 million to $35 million for 2026 awards, but the dollar increase is the smaller story. Nearly every grant now flows as unrestricted general operating support — the funding nonprofits ask for most and receive least. For eligible Massachusetts organizations, the 2027 cycle opens July 15 with a September 16 letter-of-inquiry deadline. Here is who qualifies, why the shift to operating support changes the calculus, and how a small nonprofit should approach a program that hands out 150 grants a year, most of them chosen by community volunteers.
Read article