MassHousing Home Improvement Loan Program (HILP)

MassHousing, Massachusetts Housing Finance Agency

Available Home Repair

About This Program

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

MassHousing's Home Improvement Loan Program (HILP) provides fixed-rate loans from $7,500 to $50,000 for improvements and repairs to 1-4 family owner-occupied Massachusetts homes and condos. Eligible uses include structural repairs, accessibility modifications, energy upgrades, and bringing homes up to building code. No income limit applies. Loans are originated by a network of participating lenders statewide.

Fixed-rate loan, $7,500-$50,000. No income limit. Must have owned and occupied the home for at least 1 year. Apply through participating lenders at masshousing.com.

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

  • Fixed-rate loans from $7,500 to $50,000, no income limit
  • Covers structural repairs, energy upgrades, accessibility mods, and code compliance
  • Must have occupied the home as your primary residence for at least 1 year
  • Property must be a 1-4 family owner-occupied home or condo in Massachusetts
  • Apply through participating lenders, find one at masshousing.com/hilp-lenders

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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Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Boston.

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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.
  • 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: Rolling, continuous applications through participating lenders

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Frequently asked questions

What amount is listed for MassHousing Home Improvement Loan Program (HILP) in Boston, MA?

The Grant Map record states: Up to $50,000. Confirm the current amount and eligible costs with the administrator.

What audience tags are recorded for MassHousing Home Improvement Loan Program (HILP) in Boston?

The directory record carries audience tags for homeowners. It also carries a no-income-limit tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for MassHousing Home Improvement Loan Program (HILP) 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.

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