MassHousing Accessory Dwelling Unit (ADU) Loan Program

MassHousing, Massachusetts Housing Finance Agency

Available Home Repair

About This Program

The Grant Map catalogs MassHousing Accessory Dwelling Unit (ADU) Loan Program in its Boston, MA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.

Launched in January 2026, this MassHousing program finances ADU construction as a fixed-rate second mortgage for single-family homeowner-occupants earning up to 135% AMI. Detached ADUs can receive up to $250,000; attached ADUs up to $150,000. The loan is structured with a 5.25% interest rate portion amortized over 20 years, plus a supplemental 0% deferred component, making part of the financing effectively interest-free.

Detached ADU: up to $250,000; attached ADU: up to $150,000. 5.25% fixed + 0% deferred portion. 20-year amortization. Income limit: 135% AMI. Must have permits ready.

The cited program-specific URL responded on 2026-07-21; confirm current terms.

Record set last reviewed 2026-04-03. How we verify our data.

Other published resources for Boston, MA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • Finances ADU construction, up to $250,000 detached or $150,000 attached
  • Structured as 5.25% fixed-rate + 0% deferred second mortgage
  • 20-year amortization; income limit is 135% AMI
  • Must own and occupy a single-family home; permits must be in hand
  • Learn more and find participating lenders at masshousing.com/adu

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: 617-854-1000

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

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Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Launched January 2026, rolling applications

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Frequently asked questions

What amount is listed for MassHousing Accessory Dwelling Unit (ADU) Loan Program in Boston, MA?

The Grant Map record states: Up to $250,000 (detached ADU). Confirm the current amount and eligible costs with the administrator.

What audience tags are recorded for MassHousing Accessory Dwelling Unit (ADU) Loan Program in Boston?

The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for MassHousing Accessory Dwelling Unit (ADU) Loan Program in Boston, MA?

Confirm the application route directly with MassHousing, Massachusetts Housing Finance Agency; use the cited source on this page as a starting point or call 617-854-1000. Confirm any fee or cost with the administrator. Deadline: Launched January 2026, rolling applications.

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