See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 4, 2026
Homebuyer Programs in Attleboro, MA (2026)
Attleboro is a Gateway City in Bristol County, Massachusetts, located along the Rhode Island border about 35 miles south of Boston. With a median home price around $490,000, Attleboro is one of the more affordable Gateway Cities in the state, making it an attractive option for first-time buyers. As a designated Gateway City and MassDREAMS community, eligible first-time buyers can receive up to $50,000 in grant funding through MassDREAMS, up to $30,000 in deferred down payment assistance through MassHousing, and affordable fixed-rate financing with no PMI through the ONE Mortgage Program. Additional local help is available through the BayCoast Mortgage Down Payment Assistance Program (up to $10,000 in matching funds), the MAHA STASH First-Gen Home Program (up to $20,000), and Old Colony Habitat for Humanity. By stacking state and local programs, qualified Attleboro buyers could potentially access over $100,000 in combined homebuyer assistance.
State Programs in Massachusetts
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 | Yes | View → |
| 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%) | Yes | View → |
| 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 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $50,000 for buyers earning up to 100% AMI; up to $35,000 for buyers earning 100-135% AMI
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- 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%)
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- 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
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| BayCoast Mortgage Down Payment Assistance Program | Forgivable Loan | Up to $10,000 in matching funds | Yes | View → |
| MAHA STASH First-Gen Home Program | Grant | Up to $10,000 grant in Boston; up to $20,000 in other Massachusetts cities | Yes | View → |
| Old Colony Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home purchase with affordable mortgage terms | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000 in matching funds
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $10,000 grant in Boston; up to $20,000 in other Massachusetts cities
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with affordable mortgage terms
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most programs require you to be a first-time homebuyer (no homeownership in the past 3 years) and meet income limits based on your household size and area median income (AMI). As a Gateway City, Attleboro buyers can earn up to 135% of AMI for several state programs.
Step 2: Complete homebuyer education. Enroll in a HUD-approved homebuyer education course. NeighborWorks Housing Solutions offers homebuyer education classes and one-on-one coaching through their Housing Consumer Education Center at 781-422-4208. Most programs require completion of homebuyer education before you can apply for assistance.
Step 3: Meet with a housing counselor. Contact NeighborWorks Housing Solutions for free financial and credit counseling. Their HUD-certified counselors can help you understand which programs you qualify for and how to stack multiple forms of assistance. Reach Amanda Glennon at AGlennon@nhsmass.org.
Step 4: Get pre-approved for a mortgage. Work with a MassHousing-approved lender or a ONE Mortgage participating lender to get pre-approved. BayCoast Mortgage is a local lender that offers its own DPA program with up to $10,000 in matching funds for Attleboro buyers. Your lender can help you apply for MassHousing DPA, MassDREAMS, and the ONE Mortgage Program simultaneously.
Step 5: Apply for the BayCoast Mortgage DPA. Contact BayCoast Mortgage at 877-646-0800 to apply for up to $10,000 in dollar-for-dollar matching down payment assistance. Tier I offers a forgivable loan after 5 years; Tier II offers a deferred payment loan.
Step 6: Find a home within program limits. Search for properties in Attleboro that meet program requirements. Some programs have purchase price limits, so confirm with your lender before making an offer.
Step 7: Submit all assistance applications and close. Once you have a signed purchase and sales agreement, submit applications for MassDREAMS (up to $50,000 grant), MassHousing DPA (up to $30,000), and BayCoast DPA (up to $10,000). Your lender will coordinate applying all approved assistance at closing. Typical closing costs in Attleboro range from $10,000 to $14,500.
Frequently Asked Questions
How much down payment assistance can I get in Attleboro?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the BayCoast Mortgage Down Payment Assistance Program?+−
What are the income limits for Attleboro homebuyer programs?+−
What homebuyer education is required?+−
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