Massachusetts & Connecticut Home Modification Funding & Assistance Guide

Home accessibility modifications—such as wheelchair ramps, stair lifts, or accessible bathrooms—are essential for many seniors and people with disabilities to live independently. Unfortunately, standard health insurance and Medicare rarely cover these home modifications. Massachusetts residents, however, have many funding sources and assistance programs available at the state, federal, and local levels. This guide organizes those resources into clear categories with contact information (phone, email) and web links, providing a comprehensive roadmap for residents, caregivers, and professionals seeking help with home modifications or adaptive equipment. Below, find state programs, federal grants, nonprofits, disability-specific organizations, community groups, and other helpful resources relevant to Massachusetts. Each listing includes up-to-date contact details (phone numbers, emails) and clickable links for easy access. Use the table of contents and headings to navigate, and refer to the final section for a summary of sources and direct links.

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State-Funded Programs in Massachusetts

Massachusetts offers several state-funded programs to help residents finance home modifications and assistive technology. These include low-interest loans, grants, and specialized state agency services. Eligibility may depend on income, disability status, or program-specific criteria. Below are the major state initiatives:

• Massachusetts Rehabilitation Commission (MRC) – Adaptive Housing Programs
  • MRC Vocational Rehabilitation (VR) – Adaptive Housing: The MRC’s Rehabilitation Technology Department runs an Adaptive Housing Program to assist VR clients with disabilities who need home modifications to achieve employment goals. For eligible individuals (those in MRC’s VR program), MRC can fund modifications that support independence and work readiness.
    • Contact: Eugene Blumkin, Adaptive Housing Program Coordinator – Phone: (617) 204-3721; Email: Eugene.Blumkin@mass.gov
  • Independent Living Center (ILC) Grants (Title VII Part B): Federal Title VII-B funds are funneled through MRC to Independent Living Centers across Massachusetts to help people with disabilities remain independent. Many ILCs use these funds to purchase adaptive equipment or minor home modifications.
    • Contact: Your regional ILC can advise on any available funds or services (see the Mass Statewide Independent Living Council directory). You may also contact MRC’s Independent Living division at (617) 204-3628 for guidance.
• Home Modification Loan Program (HMLP)
  The Home Modification Loan Program is a cornerstone state program providing 0% or low-interest loans to Massachusetts homeowners or landlords to finance home modifications for a disability. Eligible participants include households with an individual of any age who has a disability (or landlords with fewer than 10 units, modifying for a disabled tenant). Loans can cover projects like ramp installations, accessible bathrooms, widening doorways, etc. Key features of HMLP include deferred payment options for some income tiers and no monthly payments for certain loans.
  • Contact & Apply: Susan Gillam – Phone: 1-866-500-5599; Email: sgillam@cedac.org. Ms. Gillam is the HMLP Program Manager at CEDAC (the agency administering HMLP for the state). You can also visit the official HMLP webpage (Mass.gov) for regional provider agencies and application info.
• Massachusetts Assistive Technology Loan Program (ATLP)
  If you don’t qualify for HMLP or need to finance specialized equipment, the AT Loan Program is another option. The Massachusetts Assistive Technology Loan Program offers low-interest loans for assistive technology (AT), which can include certain home modifications or equipment to improve accessibility. It’s open to people with disabilities and their families who need financial help to purchase AT devices or services (for example, hearing/vision devices, modified vehicles, or home accessibility equipment).
  • Contact & Apply: Program Director, Leonidas Tonevski – Phone: 1-800-244-2756, ext. 428 or 431; TTY: 1-800-564-9700. Website: MassATLoan.org. (This program is operated in partnership with Easter Seals Massachusetts.)
• Department of Developmental Services (DDS) – Family Support
  Massachusetts DDS can assist eligible individuals with developmental disabilities who live at home. Through its Family Support Program, DDS may provide or fund adaptive housing modifications for qualifying families. This is typically for clients of DDS (individuals with intellectual or developmental disabilities) who have a documented need for home accessibility improvements. Funding is limited and handled regionally.
  • Contact: Your regional DDS office for information on adaptive housing support. DDS regional offices evaluate needs as part of family support planning. More information is available on the Mass.gov DDS page or by calling the main DDS line.
• Catastrophic Illness in Children Relief Fund (CICRF)
  Families caring for a child with a serious illness or disability in Massachusetts can seek help from the CICRF, which is a state fund to help bear excessive medical and related expenses. Home modifications directly related to a child’s special health needs (for example, constructing a wheelchair ramp or accessible bathroom for a child using a wheelchair) can be reimbursed through this fund. The fund acts as a payer of last resort, meaning it may cover costs not covered by insurance or other programs.
  • Contact: Massachusetts Dept. of Public Health, Division for Special Health Needs – Community Support Line at 1-800-882-1435. You can also visit the CICRF program website for application details.
• MassHousing Home Improvement Loan Program (HILP)
  MassHousing, the state’s affordable housing finance agency, offers a Home Improvement Loan Program that can include funding for accessibility upgrades. These loans are designed for low- and moderate-income homeowners to make necessary repairs or improvements. Home modifications for disability access are an allowed use of HILP funds (examples include installation of a ramp, widening doorways, adding a first-floor laundry, etc.). Loans have below-market fixed interest rates and flexible terms, but they must be used for non-luxury improvements that improve safety or livability.
  • Contact: MassHousing – Phone: (617) 854-1000. Website: MassHousing Home Improvement Loan (see “Home Improvement” section).
• MassHealth (Medicaid) Home & Community-Based Services Waivers
  Some home modifications can be funded as part of MassHealth waiver programs for those who are eligible. Massachusetts offers Home and Community-Based Services (HCBS) waivers—such as the Acquired Brain Injury (ABI) Waiver and Moving Forward Plan (MFP) Waiver—that help transition individuals from nursing facilities back to the community. These waivers can cover home accessibility adaptations necessary for the person’s safety and independence at home. For example, under the ABI/MFP waiver programs, consumers may receive up to $50,000 (lifetime) for accessibility modifications to their residence. Similarly, DDS-administered waivers for adults with intellectual disabilities and certain elder waivers may include home modifications as a benefit. If you or a family member are enrolled in a MassHealth waiver (such as a DDS Adult Supports waiver, a Frail Elder waiver, etc.), consult your case manager about available home modification funds.
  • Contact: For ABI/MFP Waivers, you can reach the MRC MassAbility team at (617) 204-3628 or email the state coordinator (e.g., Rosa Rodriguez at Rosa.Rodriguez2@mass.gov). For DDS waivers, contact your DDS service coordinator. General information on MassHealth HCBS waivers is on the Mass.gov HCBS page.
• Aging Services Access Points (ASAP) and Local Resources
  Massachusetts elders (and younger people with disabilities) can also get help navigating resources through Aging Services Access Points. These regional agencies (reachable via 1-800-AGE-INFO / 1-800-243-4636) have Options Counselors on staff. An Options Counselor can help identify appropriate programs for home modifications, whether through state elder home repair programs, local grants, or connections to volunteer groups. If you are age 60+ (or caring for an older adult), contacting your local ASAP (Area Agency on Aging) is a smart first step to learn about any elder-specific home repair assistance in your community.
  • Contact: To find your regional elder care agency (ASAP), call the statewide elder resource line at 1-800-243-4636 or use the online finder at 800AgeInfo.com. They can also connect younger disabled adults to resources via the Aging & Disability Resource Consortia.

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Federal Programs and Grants

Massachusetts residents can leverage several federal programs that provide funding or assistance for home modifications. These include grants for veterans, community development funding, and rural housing repair loans. While these programs are federally funded, they are often administered locally. Below are key federal sources to consider:

• HUD Community Development Block Grants (CDBG)
  The Community Development Block Grant program (through the U.S. Department of Housing & Urban Development) provides federal funds to cities and towns for community needs—which can include housing rehabilitation and accessibility. In Massachusetts, many municipalities (especially smaller cities and towns through the state’s CDBG program) use CDBG funds to run housing rehab programs that help low-income residents modify or repair their homes. For example, a town may offer grants or deferred loans to install a wheelchair ramp or modify a bathroom for a resident with disabilities, using CDBG money.
  • How to Access: CDBG home modification assistance is not directly applied for through HUD by individuals; instead, you must contact your city or town’s Community Development office or housing rehabilitation program. First, check if your community receives CDBG funds (HUD provides a list; see HUD’s Massachusetts page for CDBG information). Then inquire with your local City/Town Hall (often the Community Development, Housing, or Planning department) about any housing rehab or accessibility grant/loan programs for homeowners. Each locale sets its own rules and income limits.
• USDA Rural Development – Home Repair Loans & Grants (Section 504)
  For those living in rural parts of Massachusetts, the USDA Rural Development agency offers the Single Family Housing Repair Loans & Grants (often called the Section 504 Home Repair program). This federal program helps low-income rural homeowners repair their homes and remove health or safety hazards. Eligible uses include accessibility modifications—for instance, installing a roll-in shower or lowering kitchen counters for a wheelchair user can be covered.
  • Loans: Low-interest loans (1% interest, up to 20-year term) are available for low-income homeowners of any age in eligible rural areas.
  • Grants: Seniors age 62 or older who cannot repay a loan may qualify for grant funds (up to $10,000) for repairs or modifications. Often, a combination of loan and grant is used.
    In Massachusetts, USDA defines eligible rural areas (generally many towns outside of the greater Boston and Worcester areas).
  • Contact: USDA Rural Development – Massachusetts State Office, Phone: (413) 253-4300. There are also regional USDA offices:
    • Western MA: (413) 585-1000 x4 (covers central/western counties)
    • Central/North Shore MA: (508) 829-4477 x4
    • Southeast MA, Cape & Islands: (508) 295-5151
      Call the state or appropriate regional office to ask about the Section 504 home repair program. Information is also available on the USDA Rural Development website (select Massachusetts to see local details).
• VA Home Modification Grants for Veterans
  Veterans and service members with service-connected disabilities can access generous housing grants through the U.S. Department of Veterans Affairs. The VA offers several programs to help veterans adapt their homes:
  • Specially Adapted Housing (SAH) Grant: For veterans with the most severe service-connected disabilities (such as loss of use of limbs, severe blindness, severe burns, or certain respiratory injuries), the SAH grant can provide funds to construct an accessible home or modify an existing home. Eligible veterans as of FY2024 can receive up to $117,000 (approx.) in total SAH grant funding (the exact limit is adjusted annually; $117,014 was the FY2024 cap). SAH funds can be used for extensive modifications like widening halls and doors, installing ramps or lifts, or even building a new specially adapted house.
  • Special Housing Adaptation (SHA) Grant: For veterans with certain other service-connected conditions (e.g., loss of use of hands or certain blindness), the SHA grant provides home modification assistance, with a maximum of about $22,000 (FY2024 limit $22,449). SHA is often used for things like modifying a veteran’s existing home or a family member’s home (if the veteran will live there) to improve accessibility (for example, remodeling a bathroom or adding specialized features).
  • Temporary Residence Adaptation (TRA) Grant: This is an additional benefit if a veteran who qualifies for SAH or SHA is temporarily living in a family member’s home—it provides a smaller grant to adapt that residence. TRA amounts are smaller (around $44,000 for SAH-eligible and $8,000 for SHA-eligible in FY2024).
    Note: These VA grants do not require repayment and can be used multiple times up to the cap. The application process involves medical qualification through the VA and working with a VA Specially Adapted Housing agent.
  • Contact: Veterans should start by contacting their VA Regional Office or a VA housing grants coordinator. For general information, call the VA at 1-800-827-1000 and ask about Specially Adapted Housing or SHA grants. Additional details and application forms are available on the VA’s website for housing grants. Veterans may also seek assistance from a Veterans Service Officer (VSO) to apply.
• HUD & VA Programs via Local Housing Authorities
  In addition to the above, some local housing authorities or state housing programs might have initiatives for accessibility. For example, veterans may also access the VA’s Home Improvements and Structural Alterations (HISA) grant (through the VA Medical Center, for veterans with medical needs for home alteration). Also, Massachusetts housing authorities that administer Housing Choice Vouchers (Section 8) sometimes offer a Homeownership Voucher option which can include funding accessibility modifications into a mortgage. These are more specialized cases—if you think they apply, inquire with your service providers (e.g., VA hospital social worker or local housing authority).

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Nonprofit and Community Organizations

Several nonprofit organizations and community-based programs in Massachusetts offer direct assistance with home modifications or repairs. These groups often rely on volunteers, donations, or special grants and may provide services at no cost or low cost to the homeowner. Below are some key nonprofits and regional resources:

• Rebuilding Together (Free Home Repairs & Modifications)
  Rebuilding Together is a national nonprofit that has local chapters in Massachusetts. It organizes volunteer teams and community contractors to provide free home repairs and accessibility modifications for low-income households, particularly elderly or disabled homeowners and veterans. Typical projects include building wheelchair ramps, installing grab bars, fixing unsafe stairways, and other renovations that improve health and safety. In Massachusetts, Rebuilding Together has active affiliates in several communities:
  • Rebuilding Together Boston – Phone: (617) 971-0058, Email: info@rebuildingtogetherboston.org, serving City of Boston.
  • Rebuilding Together Greater Haverhill – Phone: (978) 469-0800, serving Haverhill and nearby towns.
  • Rebuilding Together Worcester – Phone: (413) 283-6709 (covers Worcester area; note: verify current contact as some sources list (508) 842-8833 for Worcester).
    Other chapters have existed (e.g., in Lowell and Springfield), so check with Rebuilding Together’s national site for the latest affiliates. If your area has no local chapter, the nearest affiliate might still consider applications or refer you to other resources.
  • Contact/Apply: Visit the Rebuilding Together national site’s locator rebuildingtogether.org and search for Massachusetts affiliates. You can contact the chapter serving your region (they usually have application forms for homeowners in need). Projects are typically done during Rebuilding Together’s Rebuilding Days or as special builds, and there may be a waiting list.
• Habitat for Humanity – Critical Home Repair Programs
  Habitat for Humanity is best known for building new homes, but many local Habitat affiliates in Massachusetts offer “Critical Home Repair” or “Aging in Place” programs to help existing homeowners. These programs focus on repairs that improve safety or accessibility for low-income families, seniors, and veterans. Examples of work include fixing code issues, replacing a roof, and installing accessibility modifications like ramps or widened doorways. Habitat’s model often involves affordable repayment plans (“a hand up, not a handout”), but some projects may be grant-funded or subsidized.
  • Contact: Habitat operates through regional affiliates. To find if there is a repair program in your area, locate your local affiliate via Habitat for Humanity directory. For instance:
    • Habitat for Humanity Metro West/Greater Worcester offers critical home repairs including ramp construction – Email: familyservices@habitatmwgw.org.
    • Greater Springfield Habitat for Humanity has a Home Preservation program (contact (413) 739-5503).
    • Habitat North Central MA and others run similar initiatives. Habitat affiliates each have their own application process and income guidelines (often under 60–80% of area median income). It’s worthwhile to reach out to see if your local Habitat does accessibility projects.
• Homes for Our Troops (Veterans)
  Homes for Our Troops (HFOT) is a nonprofit based in Massachusetts (Taunton) that assists severely injured post-9/11 veterans nationwide. HFOT’s primary mission is to build new specially adapted homes for qualified veterans at no cost to them, but they also will renovate/adapt existing homes in some cases. The program targets veterans with severe service-connected injuries (such as multiple limb amputations, full paralysis, severe TBI, etc.) and provides homes with wheelchair-level counters, roll-in showers, widened hallways, and other extensive modifications.
  • Contact: Homes for Our Troops – Toll-Free: 1-866-7-TROOPS (which is 1-866-787-6677). Website: homesforourtroops.org. Veterans must apply and meet HFOT’s criteria; the organization raises funds, materials, and professional labor and coordinates the building process.
• Independent Living Centers (ILCs)
  Massachusetts has 11 regional Independent Living Centers, nonprofit organizations run by and for people with disabilities. While ILCs primarily provide counseling, skills training, and advocacy, they are a key resource for home modification assistance information. Some ILCs have small reserve funds or grants (via Title VII or other sources) that can help consumers obtain ramps or equipment in emergencies. More commonly, an ILC can help you plan modifications and connect with appropriate programs (like HMLP, waivers, or volunteer groups). ILC staff (including Options Counselors or peer advocates) understand the local landscape of resources.
  • Contact: To find your nearest Independent Living Center, see the Mass. Statewide Independent Living Council (MASILC) list of ILCs. Some major ILCs include Boston Center for Independent Living (BCIL), Independence Associates (SE MA), Stavros (Western MA), and Cape Organization for Rights of the Disabled (CORD). You can also call the MassAbility main line (617) 204-3628 which can refer you to ILCs.
• Other Regional Programs and Nonprofits
  • Stavros Home Sweet Home Program: In Western Massachusetts, Stavros (the ILC for that region) runs “Home Sweet Home,” a program that builds modular wheelchair ramps for free for those in need in Hampden, Hampshire, and Franklin counties. They use volunteer labor and donated materials to construct ramps which can later be removed or relocated. (Contact Stavros: 1-800-804-1899 x240 or email lbrown@stavros.org for the ramp program.)
  • Community Development Corporations (CDCs): Some local nonprofit housing organizations or CDCs have home repair funds. For example, Metro Housing|Boston administers certain funds for home modifications in the Greater Boston area and publishes a resource list. Always check if there’s a local housing nonprofit in your region that offers home modification assistance for seniors or disabled residents.
  • Other Veterans Charities: Beyond HFOT, groups like Purple Heart Homes or Operation FINALLY HOME sometimes help build or modify homes for veterans. The Home Depot Foundation’s “Team Depot” initiative also provides grants and volunteer labor for veteran home repairs. These typically work through nonprofit partners—for instance, a VSO or American Legion post might sponsor a request to Team Depot, which can supply volunteers and materials for a ramp or remodel. If you’re a veteran or assisting one, consider reaching out to local veterans organizations, who may know of these opportunities.

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Disability-Specific Organizations & Grants

Many disability-specific organizations do not directly pay for home renovations, but they often have financial assistance programs, small grants, or equipment loan closets that could support home accessibility. They also provide information and referrals. Below is a list of some Massachusetts-focused chapters and organizations by disability area, along with their contact info. It’s worth contacting any that relate to your or your family member’s disability, as they may know of additional resources or emergency funding for home modifications or adaptive equipment.

• Muscular Dystrophy Association (MDA) – MA Offices: MDA sometimes provides medical equipment grants or can assist with referrals.
  • Greater Boston: (617) 368-9155 (Boston, MA)
  • Central MA: (508) 898-3375 (Westboro, MA)
  • Northeast MA: (978) 720-2800 (Beverly, MA)
  • Website: mda.org
• National Multiple Sclerosis Society – Greater New England Chapter: Offers a Financial Assistance Program that can sometimes help with accessibility (such as grab bars or minor mods) for people living with MS.
  • Phone: (800) 344-4867
  • Website: nationalmssociety.org/MAM
• Spina Bifida Association of Greater New England: May offer limited grants or loans for adaptive needs for individuals with Spina Bifida.
  • Phone: (888) 479-1900
  • Website: sbagreaterne.org
• United Cerebral Palsy (UCP) of Massachusetts: UCP has two affiliates:
  • UCP of Berkshire County: Offices in Pittsfield (413) 442-1562 and North Adams (413) 664-9345
  • UCP of Metro Boston: Office in Watertown (617) 926-5480
    They assist families and individuals with cerebral palsy and other disabilities, occasionally with funding for equipment or respite that could indirectly support home adaptation.
  • Websites: ucpberkshire.org and ucpboston.org
• ALS Association – Massachusetts Chapter: Provides support to people with Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease). They often have a loan closet of ramps or lift equipment and may give grants for accessibility (ALS often requires quick home modifications).
  • Phone: (781) 255-8884 or Toll-free (888) 287-3257
  • Website: als.org/massachusetts
• American Stroke Association / American Heart Association – Boston: While primarily focused on education and advocacy, they can direct stroke survivors to local resources.
  • Phone: (781) 373-4500 (Boston office)
  • Web: heart.org (national site)
• American Parkinson’s Disease Association (APDA) – MA Chapter: Provides information and may have respite or equipment assistance for people with Parkinson’s.
  • Phone: (617) 638-8466
  • Web: apdama.org (Mass. page)
• Brain Injury Association of Massachusetts (BIA-MA): Offers resources and some limited scholarship funds for individuals with brain injuries that could potentially be applied to home needs. They also run support programs that may assist in finding funds.
  • Phone: (508) 475-0032 or (800) 242-0030
  • Web: biama.org
• Federation for Children with Special Needs (FCSN): An information clearinghouse for parents of children with disabilities in MA. They don’t fund mods directly but can help families navigate state resources and health insurance appeals for equipment.
  • Phone: (617) 236-7210 or Toll-free (800) 331-0688
  • Web: fcsn.org
• Travis Roy Foundation: (Note: As of 2021, the foundation was evaluating its future after Travis Roy’s passing.) Historically, this Boston-based foundation offered grants up to ~$5,000 for people with spinal cord injuries to fund equipment or home modifications (like ramp installations or bathroom remodels). It’s worth checking their status if you have a spinal cord injury.
  • Contact: info@travisroyfoundation.org
  • Website: travisroyfoundation.org

Tip: Also reach out to disease-specific social workers (for example, the MS Society can assign an MS Navigator, or the VA spinal cord injury unit social worker for veterans with SCI)—they might know specialized grants (like the MS Society’s Greater New England Chapter Assistive Technology fund or others). Some organizations have yearly grant cycles for small accessibility projects.

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Civic, Community, and Religious Assistance

Local civic groups, fraternal organizations, and faith-based communities can be an often-overlooked source of help. These groups frequently undertake charitable projects such as building access ramps or fundraising for individuals in need. While opportunities vary by community, consider the following:

• Lions Clubs: Lions Clubs in many Massachusetts towns have a mission to help with community needs (beyond their well-known eyeglasses program). Some Lions chapters have wheelchair ramp loan programs—for example, the South Attleboro Lions lend and install modular ramps for veterans and others in need, then remove and reuse them when no longer needed. Lions are volunteers, so labor is free; sometimes the club covers material costs or reuses donated ramp sections. To seek help, find a Lions Club in your area (via lionsclubs.org or local Facebook/community pages) and ask if they have a ramp or accessibility project committee.
• Knights of Columbus (K of C) – Charity Fund: The Massachusetts State K of C has a charitable fund specifically for individuals with disabilities (particularly intellectual disabilities or children with physical disabilities). They can grant up to $5,000 for various needs, and up to $7,000 specifically for “handicapped ramps, wheelchair van conversions, and stair lifts”. Applicants must apply before starting the modification (they won’t fund projects already completed), and typically need two contractor quotes and a letter describing need. The application process can take 2–3 months. To apply, contact a local Knights of Columbus council or the Massachusetts K of C State Council. The Charity Fund Application is available through K of C (often via local councils or the Mass. K of C website). This can be a valuable resource for families of children with disabilities who need a ramp or lift.
• Rotary Clubs, Elks Lodges, Masons, and Other Service Organizations: Many communities have active Rotary or Elks clubs that engage in service projects. While not every club does home modifications, some might be willing to sponsor a project if approached. For example, the Attleboro Elks Lodge partnered with Lions on a ramp build in 2020. Rotary International has had initiatives around accessibility (some clubs build ramps as part of their local service). The key is often making the need known—these clubs may fundraise or volunteer for a worthy local cause. Contact your local Rotary or Elks and ask if they have a community assistance committee.
• Churches and Faith Communities: Don’t underestimate local churches, synagogues, or temples—many have “mission days” or volunteer teams for community service. They might build a ramp for a congregant or local resident or host a fundraiser to cover the cost of a home project. If you are affiliated with a religious community, inquire within. Even if you’re not, some large congregations (or interfaith councils) have outreach ministries. It can help to have a nonprofit sponsor (for instance, a church might partner with Habitat or Team Depot for materials).
• Vocational/Technical Schools: Massachusetts vocational high schools sometimes need real-world projects for students in carpentry, electrical, or plumbing programs. Some vo-tech schools will take on building a wheelchair ramp or modifying a bathroom as a community service project (often you pay only for materials). This not only helps the student learning experience but provides a low-cost solution. Contact the carpentry/building trades department at your local vocational school to see if they have a community project program.
• Corporate Volunteer Programs: Large companies (especially home improvement stores) have volunteer initiatives. Notably, Home Depot’s “Team Depot” and Lowe’s Heroes programs support veterans and others in need by providing materials and labor for projects, but usually require a nonprofit or agency to submit the request. If you work with an organization like an ILC, senior center, or veterans agency, ask if they can coordinate a request to Team Depot for your modification need. These programs often focus on veterans or disaster recovery, but they have helped build ramps and make homes safer in many cases.

Pro Tip: Raise funds through the community. If formal programs fall short, some families turn to local fundraising. Organizing a benefit event or an online fundraiser (like GoFundMe) can rally friends, neighbors, or charitable strangers to contribute to the cost of a ramp or accessible bathroom. Pairing this with volunteer labor (say, a local contractor or Habitat volunteers) can make a project affordable. While not an official program, this grassroots approach is often how people get urgent needs met when time is of the essence.

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Additional Helpful Resources

Making home modifications involves not just funding, but also finding the right contractors, understanding regulations, and locating assistive devices. Massachusetts provides various information resources to support you in the process:

• New England ADA Center’s Disability Exchange (NE INDEX): An online directory of disability-related services in New England. You can use this to find qualified contractors or builders experienced in accessibility modifications. Go to disabilityinfo.org and use the search tool (“Search for a Program or Service”). Under program type, look for “Home Modification” to list contractors and non-profits that perform home mods in Massachusetts. Note: Inclusion on the list is like Yellow Pages—it’s not an endorsement, so be sure to vet any contractor.
• Massachusetts Consumer Affairs – Contractor Verification: Before hiring any home improvement contractor, check their registration and complaint history. The Massachusetts Office of Consumer Affairs & Business Regulation maintains a Home Improvement Contractor (HIC) registration lookup and provides tips on hiring contractors and avoiding scams. You can access this via Mass.gov Consumer Affairs (see Home Improvement Contractor information). Always ensure your contractor is registered with the state (required for jobs over $500) and ideally insured. If a contractor has a record of disputes, consider it a red flag. The site also explains how to file complaints if issues arise.
• Building Codes and Design Guidance: If you are planning significant modifications, familiarize yourself with accessibility design standards. The Massachusetts code for accessibility (521 CMR) and the ADA Accessibility Guidelines can be useful. The Institute for Human Centered Design (IHCD) in Boston (formerly Adaptive Environments) offers expert consultation on accessible and universal design. They can help review plans or advise on best practices for your home layout.
  • Contact IHCD: (617) 695-1225 or email info@IHCDesign.org (IHCD’s team can clarify legal requirements and suggest creative design solutions beyond minimum code). While geared more toward public projects, IHCD is a great resource for complex cases (and their website has many free design guides).
• Massachusetts Accessible Housing Registry (Mass Access): If modifying your current home is not feasible, finding an already-accessible home or apartment might be an option. The Mass Access Housing Registry (MassAccessHousingRegistry.org) is a free online database of accessible and barrier-free apartments in Massachusetts. It is useful for renters seeking wheelchair-accessible units or homeowners considering moving to a more suitable home.
  • Contact MassAccess: (617) 742-0820 or toll-free (800) 466-3111; TTY (617) 742-5498
• Assistive Technology and Equipment Reuse: Sometimes an accessibility need can be met with equipment rather than construction. Massachusetts has programs for assistive device loans and reutilization. For example, the MassMATCH Assistive Technology Exchange and the REquipment program provide free or low-cost refurbished durable medical equipment (DME)—such as stair lifts, portable ramps, shower chairs, etc., when available. They also have AT Regional Centers (ATRCs) that lend modular ramp segments or portable ramps for short-term use (useful while you await permanent funding).
  • Check out DMEReturn.org (REquipment) or call REquipment at 1-800-261-9841 for more information.
• Tax Deductions for Home Mods: Keep receipts for any out-of-pocket expenses related to home modifications prescribed for medical reasons. Such expenses can be tax-deductible as medical expenses on your federal income taxes (if you itemize). The IRS allows the cost of installing special equipment or home improvements to be counted as a medical expense if the primary purpose is medical care for you, your spouse, or dependents. If the improvement also increases your property value, you may deduct the portion of the cost that exceeds the value increase. (For example, if a $5,000 wheelchair lift added $3,000 to your home’s value, you could deduct $2,000.) See IRS Publication 502 for details, and consult a tax advisor. This deduction won’t give money upfront but could yield a refund later.
• Information & Referral Services: If you’re unsure where to start, call Massachusetts Office on Disability (MOD) or MassOptions for guidance. MOD is a state agency that can point you to appropriate resources and help with disability rights issues.
  • MOD Contact: (617) 727-7440 or (800) 322-2020 (Voice/TTY)
    MassOptions is a toll-free hotline 1-844-422-6277 that connects seniors and people with disabilities to services in their area (it’s a project of EOHS). Also, dialing 2-1-1 in Massachusetts will reach an operator who can provide information on local housing assistance and other social services.

By leveraging the combination of programs above—state loans, federal grants, nonprofit assistance, and community help—Massachusetts residents can significantly offset the cost of home modifications and obtain needed adaptive equipment. For example, a family might use an HMLP loan for a major bathroom renovation, get a small Knights of Columbus grant for a ramp, and use a Rebuilding Together team for minor repairs—together achieving an accessible home without undue financial burden. Always plan ahead and apply early, as many programs have waitlists or processing times. With persistence and the help of these resources, you can make your home safer, more accessible, and better suited to your or your loved one’s needs.

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Sources and Further Information

Below is a list of sources referenced and additional helpful links for the programs discussed. These provide more detailed information and application instructions:

• Massachusetts Office on Disability (MOD) – Official Website (Mass.gov) – Information, advocacy, and contacts for disability resources.
• Massachusetts Rehabilitation Commission (MassAbility) – Home Modification Resources (Mass.gov) – State page detailing MRC programs, MassHealth waivers, etc.
• Home Modification Loan Program (HMLP) – Mass.gov HMLP Page – Overview of HMLP with regional agency contacts and applications. Administered by CEDAC; direct inquiries to Susan Gillam at 1-866-500-5599.
• Massachusetts Assistive Technology Loan Program (ATLP) – MassATLoan.org – Easter Seals MA site with AT loan details and online pre-application.
• Dept. of Developmental Services (DDS) – DDS Family Support (Mass.gov) – Information on DDS Family Support services that may include adaptive housing.
• Catastrophic Illness in Children Relief Fund – CICRF (Mass.gov) – Program description, eligibility, and application for Massachusetts families.
• MassHousing Home Improvement Loan Program – MassHousing.com – Home Improvement – Details on loan terms and how to apply for this state-sponsored home improvement loan.
• HUD Community Development Block Grant in MA – HUD Massachusetts CDBG Info – Explains CDBG program and includes list of entitlement communities and state program contacts.
• USDA Rural Development – MA Office – USDA RD MA Single Family Housing – Information on Section 504 Home Repair Loans/Grants in Massachusetts (contacts: Amherst state office at 413-253-4300, etc.).
• VA Specially Adapted Housing Grants – VA.gov – Housing Grants for Disabled Veterans – Official VA page for SAH, SHA, and TRA grants (eligibility and application). For assistance, call 800-827-1000.
• Rebuilding Together Affiliate Finder – Rebuilding Together – Find an Affiliate – Locate local Rebuilding Together chapters in Massachusetts (Boston, Haverhill, etc.).
• Habitat for Humanity MetroWest/Greater Worcester – Habitat MWGW Home Repair – Example of a Habitat affiliate’s repair program (eligibility and scope). Check your local Habitat affiliate for similar programs.
• Homes For Our Troops (HFOT) – homesforourtroops.org – Nonprofit building adapted homes for severely injured veterans; veteran application info available on site.
• Mass. Independent Living Centers – MASILC – List of Centers – Contacts for all Independent Living Centers in MA (peer resources for home modifications).
• Stavros - Home Sweet Home Program – Stavros (ILC) Ramp Program – Western MA ramp building program details (contact: 413-256-0473).
• Knights of Columbus MA State Charity Fund – Info: DisabilityInfo.org – Home Modifications Fact Sheet (scroll to MA State Knights of Columbus Charity Fund) – Describes the K of C grant for ramps and lifts (up to $7,000) and application requirements.
• New England Disability Info (NE INDEX) – DisabilityInfo.org Search – Find home modification contractors and resources in Massachusetts.
• MA Consumer Affairs – Contractor Resources – Mass.gov Home Improvement Contractor Info – Lookup tool for contractor registration, tips for hiring, and complaint process.
• Institute for Human Centered Design (IHCD) – HumanCenteredDesign.org – Boston-based expert organization on universal design (phone: 617-695-1225). Can consult on complex accessibility design issues.
• Mass Access Housing Registry – MassAccessHousingRegistry.org – Searchable database of accessible apartments in MA (for those considering moving to accessible housing).
• MassMATCH Assistive Technology Program – MassMATCH (Mass.gov) – Overview of statewide AT services including device loans, demo centers, and reuse (REquipment).
• IRS Tax Info – IRS Publication 502 – Medical and Dental Expenses – See “Capital Expenses” section for rules on deducting home improvement costs for medical needs.

Each of these sources can provide further guidance or application materials. We recommend reviewing relevant links and contacting the programs directly to get the most current information. Good luck with your home modification journey—with these resources in hand, you’re well-equipped to make your Massachusetts home accessible and comfortable for everyone who lives there!