PITTSFIELD, Mass. — The Berkshire Regional Planning Commission closed a total of nine Home Modification Loan Program projects in Berkshire County throughout fiscal year 2025. 

 

These loans ranged in size from $4,555 all the way to the program limit of $50,000. The project components included items such as stair lifts, bathroom modifications, driveway improvements, fencing, ramps, and one accessory dwelling unit. 

 

All these projects were completed to allow aging individuals and individuals living with disabilities to remain in their home and communities of choice.

 

BRPC will continue to accept applications to the loan program in FY26 beginning July 1. 

 

HMLP is a state-funded no-interest loan program to provide modifications to those in need of accessibility improvements to their homes. Eligible applicants include homeowners and landlords (with fewer than 10 units) with necessary changes needed to their homes to keep disabled or elderly family members in their own homes.

 

Possible modifications include bathroom and kitchen modifications, ramps, stair lifts, platform lifts, sensory/therapy spaces, hard-wired alarm systems, fences, accessory dwelling units, and more. 

 

This is not a home repair program; repairs to roofs, windows, and heating are not eligible. All work must be completed by licensed and insured contractors.

 

For property owners, zero-interest loans range between $1,000 and $50,000. For manufactured or mobile home owners, zero-interest loans range from $1,000 to $30,000. No monthly payments are required but repayment is required when the property is sold or transferred. 

 

All applications are subject to HMLP eligibility requirements. The program income guidelines are based on household size and are generous. For example, a household of two can make up to $264,800 per year.

 

For more information or eligibility questions, visit www.cedac.org/hmlp or contact Brett Roberts at HMLP@berkshireplanning.org.