Get the Lead Out

Affordable Financing for Lead Paint Abatement

The Get the Lead Out (GTLO) loan program provides affordable financing to help homeowners and nonprofits remove hazardous lead paint from their properties. MassHousing offers GTLO in collaboration with the Executive Office of Housing and Livable Communities (EOHLC), the Department of Public Health (DPH), local rehabilitation agencies (LRAs) and community lenders across Massachusetts.

Get the Lead Out Loan Program Features

  • Low- and no-interest rate loans available, depending on borrower
  • Maximum loan amounts: $30,000-$45,000, depending on property type
  • Flexible underwriting guidelines; no appraisal required
  • Loans serviced by MassHousing

Eligibility

To be eligible for a GTLO loan, borrowers must

  • Be the home’s owner-occupant, investor-owner renting to income eligible tenants, or nonprofit owner renting to income eligible tenants
  • De-lead a 1- to 4-family home, including condominiums
  • Meet income limits, which vary by county

Additional Features

  • Closing costs and fees for owner-occupied homes are paid by MassHousing
  • Loans for owner occupants are deferred; no monthly payments are required
  • Project must be completed six months from the date of closing
  • Relocation funds are available
  • Borrowers may apply for a Lead Paint Credit from the Mass. Department of Revenue

Next Steps

GTLO loans are made through MassHousing lending partners across Massachusetts. For more information on how to get started and/or apply, please contact a participating Local Rehabilitation Agency.

CityAgency NameTelephone
AdamsTown of Adams413.743.8317
AtholTown of Athol978.575.0301
BostonDepartment of Neighborhood Development617.635.0190
CambridgeHomeowners’ Rehab617.868.4858
CambridgeJust-A-Start Corporation617.494.0444
ChelseaChelsea Restoration Corp.617.889.2277
FitchburgNew Vue978.342.9561
FraminghamTown of Framingham508.532.5457
Franklin CountyFranklin County Housing Redevelopment Authority413.863.9781 x125
GreenfieldTown of Greenfield413.772.1548 x2
HaverhillHaverhill CDC978.374.2348
LawrenceLawrence Community Development978.620.3518
LowellLowell Planning and Development978.674.1410
LowellMerrimack Valley Housing Partnership978.459.8490
New BedfordNew Bedford Office of Housing Development508.979.1500
North AdamsNorth Adams CDC413.662.3025
PalmerPalmer Community Development413.283.2614
QuincyOffice of Healthy Homes617.376.1428
QuincyNeighborworks Housing Solutions617.770.2227 x22
SalisburySalisbury Housing Rehabilitation Program978.462.7591
SpringfieldWay Finders – Serving all of Hampden and Hampshire Counties413.233.1500
WilliamstownWilliamstown Housing Authority (Serving Berkshire County except Adams and N. Adams)413.458.8282
WorcesterWorcester Lead and Healthy Homes (Only service families working with CLPPP/Court Ordered Cases)508.799.1400 x31427

* Statewide local rehabilitation agency.

Lead Paint Resources & Information

The Massachusetts Executive Office of Health and Human Services maintains information about lead hazards and safety, available programs and other resources.