MassHousing Home Improvement Loan

Massachusetts Housing Finance Agency

Available Home Repair

About This Program

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

Low-interest loan for home repairs and improvements for Massachusetts homeowners. Fixed 3% interest rate with 10-year term. Can be combined with MassHousing mortgage refinancing.

Low-interest loan for various home improvement projects

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

Record set last reviewed 2026-05-25. How we verify our data.

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

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Key Details

Loan up to $50,000 for home improvements
3% fixed interest rate, 10-year term
Available to all Massachusetts homeowners
No income restrictions
Can combine with mortgage refinance

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: (800) 882-1154

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.

You may need a contractor or estimate

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

Get matched with a contractor

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Your application paperwork

The MassHousing Home Improvement Loan Program (HILP) offers affordable, fixed-rate loans to help Massachusetts homeowners repair, renovate, improve safety or energy efficiency, or make a home accessible. You apply through a participating lender in your community; the maximum household income is 136,200 dollars.

Steps to apply

Confirm you own and occupy the Massachusetts home and your household income is within the limit (136,200 dollars).
Plan your improvements and get contractor estimates.
Contact a HILP participating lender serving your community (listed on the MassHousing website).
Complete the lender's application and close the fixed-rate home improvement loan.

Get the official form

Documents you will likely need

Proof you own and occupy the home.
Proof of household income (within 136,200 dollars).
Contractor estimates for the planned improvements.
The lender's loan application and your credit information.

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: Ongoing

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Frequently asked questions

What amount is listed for MassHousing Home Improvement Loan in Cambridge, MA?

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

What audience tags are recorded for MassHousing Home Improvement Loan in Cambridge?

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 in Cambridge, MA?

Confirm the application route directly with Massachusetts Housing Finance Agency; use the cited source on this page as a starting point or call (800) 882-1154. Confirm any fee or cost with the administrator.

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Find More Programs in Cambridge, MA

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