The Access to Home program (ACCS) provides financial assistance to property owners to make dwelling units accessible for low- and moderate-income persons with disabilities. Providing assistance with the cost of adapting homes to meet the needs of those with disabilities will enable individuals to safely and comfortably continue to live in their residences and avoid institutional care. Grants are to be made to municipalities and eligible non-profit entities that have substantial experience in retrofitting homes for persons with disabilities. Adaptation work must meet the needs of those with physical disabilities and seniors with an age-related disability. Loans to homeowners will be up to 100 percent of the total cost of the adaptations to a maximum of $25,000 per unit. Loans will be at 0-percent interest with payments deferred on the condition that the customer resides in the modified residence. The entire loan will be forgiven at the end of a regulatory period of up to five years.