State Services

• Weatherization Assistance Program (WAP)

  • The Low Income Weatherization Assistance Program (WAP) provides eligible households with full-scale home energy efficiency services.

• The Massachusetts Lead Paint Removal Tax Credit

  • With a letter of full deleading compliance, you are eligible for a State Tax Credit equal to the cost of the deleading expenses, or $3,000, whichever is less.

  • With a letter of interim control, you are eligible for a State Tax Credit of up to $1000. This $1000 amount applies toward the $3,000 limit. 

  • For more information on this program, contact the Department of Revenue. 

• Get the Lead Out

  • This program provides low cost financing to owners of 1-4 family properties to remove lead paint. 

    • The maximum loan amounts are: 

      • Single-family $30,000

      • 2-family $35,000

      • 3-family $40,000

      • 4-family $45,000

• Loans for residents:

• For owner-occupants who meet the income guidelines, 0% deferred payment loans are available. These loans are not due until the sale, transfer or refinancing of the property. 

• Loans for non-profits and investor owners:

  • For non-profit organizations with properties that are being rented to income eligible households, 0% fully amortizing loans are available.

  • For investor organizations with properties that are being rented to income eligible householes, 3% fully amortizing loans are available. 

• • These loan terms run from 5-20 years, based on the size of the loan and borrower qualifications. To find an agency that can assist you with this loan, go to the Massachusetts Housing Finance Agency. 

• The Home Improvement Loan Program (HILP)

  • This program offers low interest loans to delead owner-occupied 1-4 family homes and residential condominiums. These must have been the borrower's principal residence for a minimum of one year. Important aspects of this program:

    • Loans range from $7,500 to $50,000 per home

    • Loan terms range from 5 to 15 years

    • This program can complement the "Get the Lead Out" program by funding work that exceeds the "Get The Lead Out" maximum loan

    • Income limits vary by area

• You will not be reimbursed for work started before the loan closing.

• • To find an agency that can assist you with this loan, go to the Massachusetts Housing Finance Agency and click on Home Ownership. 

• HUD 203(K) Program

  • This program helps current homeowners and investor-owners refinance their mortgage to pay for deleading costs.Important aspects of this program:

• Prospective buyers can finance deleading costs through a single loan that includes their new mortgage

• Only 1-4 family homes are eligible

• A least $5,000 in repairs must be performed

• This program is capable of financing major deleading jobs because the loan amount is based upon the after-rehab value

• 203(K) also provides an opportunity to renovate a home and perform other major and minor repairs

• • Call the U.S. Department of Housing and Urban Development (HUD) for a list of participating lenders.