See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 3, 2026
Homebuyer Programs in Brockton, MA (2026)
Brockton is the largest city in Plymouth County and one of Massachusetts' designated Gateway Cities, with a median home price of approximately $485,000. Brockton's Gateway City status unlocks expanded state assistance through MassHousing, with income limits extending to 135% of area median income. The city offers the Brockton First Time Homebuyer Down Payment Assistance Program, providing up to $15,000 as a forgivable loan to help with down payment and closing costs. At the state level, MassHousing provides up to $30,000 in down payment assistance as a 0% deferred loan, and the ONE Mortgage program offers 30-year fixed-rate loans with just 3% down and no PMI. First-generation homebuyers can access the FHLBank Boston Lift Up Homeownership grant for up to $40,000 and the MAHA STASH program for up to $20,000. South Shore Habitat for Humanity also serves eligible buyers in the Brockton area with affordable homeownership opportunities.
City Programs in Brockton
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Brockton First Time Homebuyer Down Payment Assistance Program | Deferred Loan | Up to $15,000 (0% interest deferred loan); or up to $12,000 calculated as 3.5% of purchase price through the BRA | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $15,000 (0% interest deferred loan); or up to $12,000 calculated as 3.5% of purchase price through the BRA
- First-time only:
- Yes
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 |
|---|---|---|---|---|
| FHLBank Boston Lift Up Homeownership | Grant | Up to $40,000 grant | 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 → |
| South Shore Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable 30-year mortgage with payments not exceeding 30% of monthly income | No | View → |
- Type:
- Grant
- Amount:
- Up to $40,000 grant
- 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 30-year mortgage with payments not exceeding 30% of monthly income
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Brockton FTHB program requires household income at or below 80% AMI and first-time buyer status (no homeownership in the past 3 years). As a Gateway City, MassHousing DPA extends to 135% AMI.
Step 2: Complete homebuyer education. You must complete a HUD-approved homebuyer education course before applying for city DPA. NeighborWorks Housing Solutions in Brockton offers classes and can be reached at 508-587-0950. Brockton Area Multi-Services Inc. (BAMSI) and South Shore Community Action Council are additional local resources.
Step 3: Get pre-approved for a mortgage. Work with a MassHousing-approved lender for state DPA, or a ONE Mortgage participating lender for the ONE program. Contact MHP at 1-800-752-7131 for a participating lender list.
Step 4: Find a home in Brockton. The city DPA program requires the property to be located within Brockton city limits. The home must pass a city housing inspection and meet habitability standards.
Step 5: Apply for down payment assistance. Submit your application through NeighborWorks Housing Solutions or the City of Brockton's Department of Planning and Economic Development. You will need proof of income, tax returns, bank statements, and your pre-approval letter.
Step 6: Close on your home. The city will coordinate disbursement of the forgivable loan at closing. If you remain in the home as your primary residence for the required period, the loan is fully forgiven.
Frequently Asked Questions
How much down payment assistance can I get in Brockton?+−
Do I have to be a first-time homebuyer to qualify?+−
What does it mean that Brockton is a Gateway City?+−
What homebuyer education is required?+−
Is the Brockton DPA a grant or a loan?+−
Free eligibility check
Buying a home in Brockton? 14 programs could help.
How soon are you looking to buy?