Home Repair Loan Programs

The amount offered through this program differs depending on the type of home and the owner’s qualifications. Your income needs to be at or below 135% of the Area Median Income (AMI) as indicated by the HUD Income Limits . Applicants between 120-135% AMI must provide an even dollar for dollar match.

• $10,000 for condominiums owners
• $30,000 for one- to four-family homes, and
• $30,000 for triple deckers.

Apply for HomeWorks HELP

This is a 0% interest, deferred payment home repair loan for everything from minor repairs to replacements of heating systems. Loan amounts are determined by the necessity of health and safety repairs.

This program is available to owner-occupant homeowners of 1-4 family homes, who are at least 62 years of age, and earn less than 80% of Area Median Income (AMI) as indicated by the HUD Income Limits.

Apply for Senior Home Repair

 $10,000 per housing unit may be available to homeowners to mitigate lead paint, along with technical help to ensure compliance with Massachusetts’ Lead Law. The following may qualify for Leadsafe Boston:

• Owner-occupants of 1–4 unit homes or condos earning at or below 80% of Community Development Block Grant Income (CDBG) as indicated by the HUD Income Limits
• Investor owners of 1–4 unit buildings must prove that at least 50% of the building's residents are low- or moderate-income. Remaining units must be occupied by families with an income at 80% or below of CDBG Moderate Income.

Apply for Leadsafe Boston

This program is for senior homeowners aged 60 years and older who earn less than 80% of Area Median Income (AMI) as indicated by the HUD Income Limits  There is an $8,000 grant to help eligible homeowners replace their aging heating systems. There is also a 0% interest deferred loan for the balance of the replacement. Heating systems that have already been replaced are not eligible for the program. Seniors Save is not a reimbursement program.

Apply for Seniors Save