Are you a first-time homebuyer in Massachusetts? This comprehensive guide is your invaluable resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Bay State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Navigate the dynamic real estate market of Massachusetts with confidence and uncover the unique opportunities that await you in the historic cities, picturesque coastal towns, and charming neighborhoods.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| MassHousing Down Payment Assistance | Up to $15,000 in down payment and closing cost assistance | First-time homebuyers buying in Boston and the Commonwealth's 26 Gateway Cities and can meet income requirements | Loan with a 2% interest rate |
| Operation Welcome Home | Up to $2,500 in closing cost assistance | First time homebuyer who meets income requirements and is an active duty military or honorably discharged veteran | Not specified |
| Workforce Advantage 2.0 | Up to $25k in down payment assistance | First time homebuyers that can meet income requirements and buying in participating areas | Deferred loan with a 0% interest rate |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| NewVue Communities | North of Main Homebuyer Assistance Program | Up to $5,000 in down payment and closing cost assistance | First time homebuyers | Grant |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Arlington | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Attleboro | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Barnstable | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Belchertown | Down Payment Assistance Program | Up to $5,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Boston | Down Payment Assistance Program | Up to $40,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Boston | Neighborhood Homes Initiative | Access to homes priced under market value | First time home buyers that can meet income requirements | Lottery |
| Boston | ONE+ Boston Homebuyer Program | Low interest home loan | First time homebuyers who are Boston residents and already qualify for ONE Mortgage | Home loan with a 2% interest rate |
| Boston | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Braintree | South Shore HOME Consortium First-Time Homebuyer Program | Up to $20,000 in down payment and closing costs assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Brockton | First Time Homebuyer Program | Up to $15,000 in down payment and closing costs assistance with possible 25% additional match | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Brockton | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Cambridge | Down Payment Assistance | Up to 6% of the purchase price of the home used for down payment assistance | First time home buyers that can meet income requirements | Forgivable loan |
| Chelsea | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Chelsea | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Chicopee | First Time Homebuyer Assistance | Up to $5,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements and buying a home in the neighborhoods of Willimansett, Chicopee Falls or Chicopee Center | Deferred loan |
| Chicopee | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Easton | First-time Homebuyer Down Payment Grants | Up to $95,000 in down payment assistance | First time homebuyers purchasing a house in Easton who meet income requirements | Grant |
| Everett | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Everett | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Fall River | Home Buyer - HOME Program | Up to $40,000 in down payment and closing cost assistance | First time homebuyers that can meet income requirements | Deferred loan with a 1% interest rate |
| Fall River | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Fitchburg | Down Payment Program | Up to 50%of the down payment | First time home buyers that can meet income requirements | Grant |
| Fitchburg | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Gloucester | First Time Homebuyer Program | Up to $10,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements | Deferred loan |
| Great Barrington | Affordable Housing Trust Fund | Up to $25,000 for down payment and closing cost assistance | First time home buyers that can meet income requirements and buying a house in Great Barrington | Second mortgage |
| Haverhill | First Time Homeowner Down Payment Assistance Program | Up to $7,500 in down payment and closing costs assistance | First time homebuyers purchasing a home in the Mount Washington or Lower Acre neighborhood | Forgivable loan with a 0% interest rate |
| Haverhill | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Holbrook | South Shore HOME Consortium First-Time Homebuyer Program | Up to $17,570 in down payment and closing costs assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Holyoke | Down Payment and Closing Cost Assistance | Up to $4,999 in down payment assistance | First time home buyers that can meet income requirements and purchasing a home in Holyoke | Forgivable loan with a 0% interest rate |
| Holyoke | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Hyannis | Homebuyer Assistance Program | Up to $75,000 in down payment assistance | First time homebuyers who meet income guidelines and propery restrictions | Not specified |
| Lawrence | The First Time Home Buyers Program (FTHB) | Up to $15,000 in down payment and closing costs assistance | First time homebuyers who meet income requirements | Second mortgage |
| Lawrence | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Leominister | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Leverett | Affordable Housing Programs: Buy Down Program | Up to $50,000 in down payment assistance | Homebuyers that can meet income requirements | Not specified |
| Leverett | Affordable Housing Programs: Down Payment Assistance Program | Up to 5% of the purchase price of the home used for down payment assistance | Homebuyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Lowell | HOME Program | Up to $11,800 in down payment and closing cost assistance | First time home buyers that can meet income requirements and buying a home in Lowell | Deferred loan with a 0% interest rate |
| Lowell | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Lynn | Down Payment and Closing Cost Assistance | Up to $7,500 in down payment and closing costs assistance | First time homebuyers purchasing in Lynn and can meet income requirements | Deferred loan with a 0% interest rate |
| Lynn | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Malden | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Malden | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Medford | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Melrose | North Suburban Consortium Down Payment Assistance | Up to $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Methuen | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Milton | South Shore HOME Consortium First-Time Homebuyer Program | Up to $17,570 in down payment and closing costs assistance | First time home buyers that can meet income requirements | 0% deferred payment loan, due on sale |
| New Bedford | Neighborhoods First Homebuyer Program | Up to $10,000 in down payment assistance | First time home buyers that can meet income requirements | Forgivable, deferred loan |
| New Bedford | One Mortgage Program | Low 3% down payment home loan | First time home buyers that can meet income and savings requirements | Loan |
| New Bedford | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Newburyport | Down Payment Assistance Program | Up to $15,000 in down payment assistance | First time homebuyers who are buying a deed-restricted affordable unit and can meet income limits | Forgivable loan with a 0% interest rate |
| Newton | Homebuyer Assistance Program | Down payment and Closing Cost Assistance for the purchase of Deed Restricted properties - amount not specified | Not specified | Not specified |
| Northampton | Grants for First Time Homebuyers | Up to $4,000 in down payment assistance | First time homebuyer purchasing a home in Northampton and can meet income requirements | Grant |
| Peabody | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Pelham | First Time Homebuyer Down Payment Assistance | Up to $15,000 in down payment and closing cost assistance | First time homebuyer purchasing a home in Pelham and can meet income requirements | Not specified |
| Pittsfield | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time homebuyers who make up to 80% of the AMI | Deferred loan with a 0% interest rate |
| Provincetown | Down Payment & Closing Cost Program | Up to $10,000 in down payment and closing cost assistance | Homebuyers whose income is at or below 100% AMI and provides 1.5% minimum downpayment | Deferred loan with a 0% interest rate |
| Quincy | South Shore HOME Consortium First-Time Homebuyer Program | Up to $20,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Quincy | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Revere | North Suburban Consortium Down Payment Assistance | Up in $7,500 in down payment assiatance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Revere | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Salem | First Time Homebuyer Down Payment Assistance Program | Up in $7,500 in down payment assistance | First time home buyers that can meet income and savings requirements | Deferred loan with a 0% interest rate |
| Salem | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Somerville | Closing Cost 110 Program | Up to $3,500 in closing costs | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Somerville | Closing Cost 80 Program | Up to $5,000 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Somerville | Down Payment Assistance 80 Program | Up to 15% of the purchase price of the home used for down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Springfield | Down Payment Assistance Program | Up to $4,000 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Springfield | Workforce Advantage 2.0 | Up in $25,000 in down payment assiatance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Taunton | Down Payment and Closing Cost Assistance Program | Up to $25,000.00 in down payment and closing costs assistance | First time homebuyers who meet income guidelines and propery restrictions | Not specified |
| Taunton | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Wellfleet | Down Payment and Closing Cost Assistance Program | Up to $20,000 in down payment and closing costs assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Westfield | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Weymouth | South Shore HOME Consortium First-Time Homebuyer Program | Up to 3% of the home loan used for down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
| Winthrop | North Suburban Consortium Down Payment Assistance | Up in $7,500 in down payment assistance | First time home buyers that can meet income requirements | Forgivable loan with a 0% interest rate |
| Worcester | First Time Homebuyer Assistance | Up to $5,000 in down payment and closing cost assistance | First time home buyers that can meet income requirements and works in Worcester | Grant |
| Worcester | Workforce Advantage 2.0 | Up to $25,000 in down payment assistance | First time home buyers that can meet income requirements | Deferred loan with a 0% interest rate |
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