Bringing homes back to life with affordable loans to homeowners


Hilltown CDC’s Housing Rehabilitation Program provides eligible low- and moderate-income homeowners with deferred payment loans in order to address code violations and improve living conditions. Program benefits include no interest/no monthly payment on loans that may be completely forgiven, and assistance with project specs, project oversight and contractor selection. A wide range of repairs are eligible including:

  • Electrical/plumbing work

  • Foundation repair

  • Lead paint removal

  • Septic system repair

  • Roof replacement and repair

  • Door and window replacement

  • Handicap accessibility renovations

  • Insulation

  • Heating and hot water systems

  • Wells and pumps

Eligible homeowners will receive a deferred payment loan with zero interest and no monthly payments. A percentage of the loan is forgiven each year until the loan term expires (usually 15 years). A mortgage is recorded for the recapture of the unforgiven balance of the loan if the property is sold or changes ownership within the loan term. Loan terms and amounts will vary by funding source.

For more information and an application to the program, contact Paula Bilodeau, Housing Rehab Manager at (413) 296-4536 ext. 123 or

Hilltown CDC’s Housing Rehab Program provides services in many hilltowns. Funding is not available in all towns at all times. Contact Paula to see if your town is currently eligible for Housing Rehab services or to put yourself on the waiting list.

NEW! Income eligibility brakets have increased! View the updated FY19 limits here.

Eligibility Guidelines

In order to qualify for assistance, homeowners should:

  • Live in a single-family, owner-occupied housing unit (condos are not eligible for this program);

  • Be current with property taxes and mortgage payments;

  • Have lived in their home for more than a year; and

  • Fall within the income guidelines.

The eligibility of program applicants will be determined on an individual basis. Other restrictions or requirements may apply depending on a household’s current situation and circumstances.

HCDC is an EEO/Section 3 Employer. Women & members of minority groups are encouraged to apply. Funding is provided by the US Dept. of HUD/DHCD and MA CDBG Programs.

Recent projects include lead paint removal, code renovations and heating system upgrades.

More Information


For Contractors

The Housing Rehabilitation seeks licensed contractors to bid on funded projects. If you are a contractor interested in local work with the Hilltown CDC, please fill out our contractor application or contact Paula Bilodeau, Housing Rehab Manager at (413) 296-4536, ext. 123 or for more information.