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First-Time Homebuyer Programs in Massachusetts

Massachusetts offers some of the most generous homebuyer assistance in the country through MassHousing and the Massachusetts Housing Partnership (MHP). MassHousing provides up to $30,000 in down payment assistance as a 0% deferred loan for buyers under 60% AMI, and up to $25,000 for buyers earning up to 135% AMI. The ONE Mortgage program through MHP offers 30-year fixed-rate loans with just 3% down and no private mortgage insurance for first-time buyers earning up to 100% AMI.

State housing agency:MassHousing (Massachusetts Housing Finance Agency)https://www.masshousing.com

Statewide Programs in Massachusetts

MassDREAMS Down Payment Assistance Grant
Grant · Up to $50,000 for buyers earning up to 100% AMI; up to $35,000 for buyers earning 100-135% AMI
MassHousing Down Payment Assistance
Deferred Loan · Up to $30,000 (below 60% AMI at 0% deferred); up to $25,000 (60-80% AMI at 2%); up to $25,000 (80-135% AMI at 3%)
ONE Mortgage Program
Zero-Interest Loan · 30-year fixed-rate mortgage with 3% down payment and no PMI; qualified borrowers below 80% AMI receive an additional subsidy to lower monthly payments

Federal programs available in Massachusetts: FHA Loans, Good Neighbor Next Door (HUD), Home Possible Mortgage (Freddie Mac), HomeReady Mortgage (Fannie Mae), HUD $100 Down Program, USDA Rural Development Loans, VA Loans.

Cities in Massachusetts

Agawam

Hampden County

Pop. 28,749Median $380,000

Amherst

Hampshire County

Pop. 39,263Median $490,000

Andover

Essex County

Pop. 36,485Median $830,000

Arlington

Middlesex County

Pop. 45,348Median $900,000

Attleboro

Bristol County

Pop. 46,478Median $490,000

Barnstable

Barnstable County

Pop. 49,709Median $780,000

Beverly

Essex County

Pop. 42,673Median $700,000

Billerica

Middlesex County

Pop. 41,531Median $690,000

Boston

Suffolk County

Pop. 654,000Median $857,000

Braintree

Norfolk County

Pop. 39,163Median $700,000

Bridgewater

Plymouth County

Pop. 29,500Median $630,000

Brockton

Plymouth County

Pop. 106,000Median $485,000

Brookline

Norfolk County

Pop. 63,000Median $1,260,000

Cambridge

Middlesex County

Pop. 118,000Median $940,000

Chelmsford

Middlesex County

Pop. 36,220Median $615,000

Chelsea

Suffolk County

Pop. 40,000Median $550,000

Chicopee

Hampden County

Pop. 55,415Median $292,000

Dartmouth

Bristol

Pop. 33,783Median $620,000

Dracut

Middlesex County

Pop. 33,000Median $535,000

Everett

Middlesex County

Pop. 48,957Median $695,000

Fall River

Bristol County

Pop. 95,074Median $415,000

Falmouth

Barnstable County

Pop. 32,500Median $700,000

Fitchburg

Worcester County

Pop. 42,381Median $405,000

Franklin

Norfolk

Pop. 34,538Median $635,000

Gloucester

Essex County

Pop. 30,100Median $715,000

Haverhill

Essex County

Pop. 68,618Median $550,000

Holyoke

Hampden County

Pop. 38,139Median $300,000

Lawrence

Essex County

Pop. 88,700Median $475,000

Leominster

Worcester County

Pop. 43,900Median $420,000

Lexington

Middlesex County

Pop. 34,085Median $1,300,000

Lowell

Middlesex County

Pop. 116,000Median $450,000

Lynn

Essex County

Pop. 104,697Median $510,000

Malden

Middlesex County

Pop. 66,996Median $600,000

Marlborough

Middlesex County

Pop. 42,411Median $560,000

Medford

Middlesex County

Pop. 60,087Median $800,000

Melrose

Middlesex County

Pop. 30,870Median $920,000

Methuen

Essex County

Pop. 53,059Median $588,000

Milford

Worcester County

Pop. 28,580Median $520,000

Milton

Norfolk County

Pop. 29,059Median $950,000

Natick

Middlesex County

Pop. 36,518Median $930,000

Needham

Norfolk County

Pop. 32,500Median $1,400,000

New Bedford

Bristol County

Pop. 101,000Median $445,000

Newton

Middlesex County

Pop. 91,623Median $1,485,000

North Andover

Essex County

Pop. 32,000Median $700,000

North Attleborough

Bristol County

Pop. 31,410Median $530,000

Northampton

Hampshire County

Pop. 32,333Median $500,000

Norwood

Norfolk County

Pop. 30,000Median $700,000

Peabody

Essex County

Pop. 54,695Median $640,000

Pittsfield

Berkshire County

Pop. 43,457Median $310,000

Plymouth

Plymouth County

Pop. 63,953Median $650,000

Quincy

Norfolk County

Pop. 104,405Median $658,000

Randolph

Norfolk County

Pop. 33,936Median $560,000

Revere

Suffolk County

Pop. 60,702Median $555,000

Saugus

Essex County

Pop. 29,400Median $660,000

Shrewsbury

Worcester County

Pop. 40,166Median $665,000

Somerville

Middlesex County

Pop. 82,773Median $1,000,000

Springfield

Hampden County

Pop. 155,000Median $300,000

Taunton

Bristol County

Pop. 59,719Median $490,000

Tewksbury

Middlesex County

Pop. 32,000Median $650,000

Waltham

Middlesex County

Pop. 66,654Median $775,000

Watertown

Middlesex County

Pop. 35,329Median $800,000

Wellesley

Norfolk County

Pop. 31,242Median $1,970,000

West Springfield

Hampden County

Pop. 28,900Median $331,000

Weymouth

Norfolk County

Pop. 57,800Median $598,000

Woburn

Middlesex County

Pop. 41,900Median $750,000

Worcester

Worcester County

Pop. 211,000Median $450,000