See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 5, 2026

Homebuyer Programs in North Attleborough, MA (2026)

Population: 31,410 | Median home price: $530,000 | Est. closing costs: $10,500 - $16,000

North Attleborough is a town of about 31,400 residents in Bristol County, Massachusetts, located along the Rhode Island border roughly 35 miles south of Boston. With a median home price around $530,000, buying here is a significant investment, but several assistance programs can help. MassHousing offers up to $30,000 in down payment assistance, and the MassDREAMS grant provides up to $50,000 for income-eligible first-time buyers. The ONE Mortgage Program eliminates PMI with just 3% down. Locally, Old Colony Habitat for Humanity builds affordable homes in the area, and the MAHA STASH First-Gen Home Program offers up to $20,000 in grants for first-generation homebuyers. By stacking state and nonprofit programs, eligible North Attleborough buyers could receive well over $50,000 in combined assistance toward their home purchase.

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 →

MassDREAMS Down Payment Assistance Grant

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

MassHousing Down Payment Assistance

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

ONE Mortgage Program

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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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
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 →

MAHA STASH First-Gen Home Program

Type:: Grant
Amount:: Up to $10,000 grant in Boston; up to $20,000 in other Massachusetts cities
First-time only:: Yes

Old Colony Habitat for Humanity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable home purchase with affordable mortgage terms
First-time only:: No

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12 programs available in North Attleborough. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most programs require household income at or below 80-135% of the area median income for Bristol County. Review the income and purchase price limits for MassHousing DPA, MassDREAMS, and the ONE Mortgage to see which you qualify for.

Step 2: Complete homebuyer education. Massachusetts requires a HUD-approved homebuyer education course for most assistance programs. NeighborWorks Housing Solutions serves Bristol County and offers courses -- contact them at 617-770-2227 to register.

Step 3: Contact a local housing counselor. NeighborWorks Housing Solutions can help you determine which combination of programs fits your situation and guide you through the application process.

Step 4: Get pre-approved for a mortgage. Work with a MassHousing-approved lender or a ONE Mortgage participating lender to get pre-approved. Ask specifically about layering DPA programs to maximize your assistance.

Step 5: Find a home within program limits. Search for homes in North Attleborough that fall within the purchase price limits set by your chosen programs.

Step 6: Submit your assistance applications. Once you have a signed purchase and sales agreement, submit your DPA applications through your lender. Processing typically takes 2-4 weeks, so plan your closing timeline accordingly.

Frequently Asked Questions

How much down payment assistance can I get in North Attleborough?+

North Attleborough buyers can access several programs. MassHousing offers up to $30,000 in down payment assistance as a deferred loan. The MassDREAMS grant provides up to $50,000 for buyers earning up to 100% AMI, or up to $35,000 for those earning 100-135% AMI. The MAHA STASH First-Gen Home Program offers up to $20,000 in grants for first-generation homebuyers. These programs can often be combined for significant total assistance.

Do I have to be a first-time homebuyer to qualify?+

Most programs require first-time buyer status, defined as not having owned a home in the past three years. MassHousing DPA, MassDREAMS, and the ONE Mortgage all require first-time buyer status. The MAHA STASH program requires you to be a first-generation homebuyer, meaning neither you nor your parents have owned a home in the US. However, some federal programs like FHA and VA loans do not require first-time buyer status.

What is the maximum home price I can pay using these programs?+

Purchase price limits vary by program. MassHousing sets limits based on property type and location -- for Bristol County, the limit is typically around $838,717 for a single-family home. ONE Mortgage and MassDREAMS have their own property price caps that are updated periodically. Check with your lender for the most current limits.

What homebuyer education is required?+

Most Massachusetts assistance programs require completion of a HUD-approved homebuyer education course. NeighborWorks Housing Solutions, which serves Bristol County, offers these courses and can be reached at 617-770-2227. The MAHA STASH program has its own 8-session seminar series covering financial literacy, budgeting, credit management, and the home buying process.

Does North Attleborough have its own city-funded down payment assistance?+

North Attleborough does not currently offer a town-funded down payment assistance program. However, buyers here benefit from strong state-level programs including MassHousing DPA (up to $30,000), MassDREAMS (up to $50,000), and the ONE Mortgage Program, plus nonprofit programs like MAHA STASH and Old Colony Habitat for Humanity.

Can Old Colony Habitat for Humanity help me buy a home in North Attleborough?+

Yes. Old Colony Habitat for Humanity is based in nearby Attleboro and serves the North Attleborough area. They build affordable homes and offer them with affordable mortgage terms to qualifying families. Applicants must have lived or worked in the service area for at least one year, meet HUD income guidelines, and complete 250 hours of sweat equity. Contact them at family@oldcolonyhabitat.org for current opportunities.

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Buying a home in North Attleborough? 12 programs could help.

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