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Housing Rehabilitation Loan Program

Applications are now open!

Do you own and live in a home in Medford that needs important repairs or updates? Based on income eligibility, you may qualify for an interest-free, deferred payment loan of up to $50,000 through this program. A lottery will be conducted to select applications.

The program is funded through the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant (CDBG). The program is subject to the availability of CDBG funding from HUD and to the continued eligibility of the City to receive such funds. Review and acceptance of applicants will be subject to applicable HUD regulations.

What services are offered?

The program provides home repairs that could include, but are not limited to:

  • Lead pain inspection and abatement
  • Accessibility upgrades
  • Heating systems
  • Foundation repairs
  • Hot water heaters
  • Insulation
  • Walls/ceilings/floors
  • Painting
  • Plumbing
  • Electrical
  • Siding
  • Roof repairs and replacement
  • Air-conditioning systems
  • Porches/steps
  • Windows
  • Radon testing and mitigation

Who is eligible to apply?

Medford homeowners who live in their homes and have household incomes (including income of all household members aged 18 and above) that are at or below the amount listed below.

Please determine your eligibility criteria before applying to the program. Check out the Program Guidelines below:

Program guidelines

Applications are due December 1, 2025.

If you have any questions or would like additional information about the Housing Rehabilitation Loan Program, please contact Katherine Buckingham, Staff Planner, Housing at kbuckingham@medford-ma.gov or 781-475-5991.

Program flyers:

If your household income is above the HUD income guidelines, but you need to make changes to your home for a household member with a disability to improve their accessibility, Metro Housing Boston offers a program called the ‘Home Loan Modification Program’. Click here for more information about this program.