See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 4, 2026

Homebuyer Programs in Plymouth, MA (2026)

Population: 63,953 | Median home price: $650,000 | Est. closing costs: $13,000 - $19,500

Plymouth is a historic coastal town in southeastern Massachusetts and one of the largest municipalities in the state by land area, with a population of nearly 64,000. With a median home price around $650,000, buying a home here is a significant investment. Plymouth homebuyers can take advantage of the town's own Down Payment Assistance Program, which offers up to $15,000 as a zero-interest deferred loan funded by CDBG. At the state level, the MassDREAMS program provides grants of up to $50,000, the MassHousing Down Payment Assistance program offers deferred loans of up to $30,000, and the ONE Mortgage Program provides a 30-year fixed-rate mortgage with just 3% down and no PMI. By combining Plymouth's local DPA with state programs, eligible buyers could access substantial assistance toward their home purchase.

City Programs in Plymouth

Program Name	Type	Amount	First-Time Only	Details
Plymouth Down Payment Assistance Program	Deferred Loan	Up to $15,000	Yes	View →

Plymouth Down Payment Assistance Program

Type:: Deferred Loan
Amount:: Up to $15,000
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 →

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
Habitat for Humanity of Greater Plymouth Homeownership Program	Zero-Interest Loan	25-year affordable mortgage with reduced monthly payments; home sold at affordable price	No	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 →

Habitat for Humanity of Greater Plymouth Homeownership Program

Type:: Zero-Interest Loan
Amount:: 25-year affordable mortgage with reduced monthly payments; home sold at affordable price
First-time only:: No

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

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13 programs available in Plymouth. 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% of the Area Median Income for Plymouth County. The Plymouth DPA also requires you to be a first-time homebuyer.

Step 2: Complete homebuyer education. The Plymouth Redevelopment Authority is a HUD-approved housing counseling agency and can connect you with required courses. Contact them at 508-747-1620 ext. 10147. NeighborWorks Housing Solutions also offers homebuyer education at 781-422-4200.

Step 3: Contact the Town of Plymouth Office of Community Development at 508-747-1620 to obtain a DPA application and learn about current funding availability.

Step 4: Get pre-approved for a mortgage. Consider working with a MassHousing-approved lender or a Massachusetts Housing Partnership ONE Mortgage participating lender to maximize your assistance options.

Step 5: Find a home in Plymouth within your budget. The Plymouth DPA requires you to purchase a single-family home in Plymouth for use as your primary residence.

Step 6: Submit your applications for the Plymouth DPA and any state programs. The town DPA requires a minimum buyer investment of 1.5% of the purchase price. Expect processing times to vary based on funding availability.

Frequently Asked Questions

How much down payment assistance can I get in Plymouth?+

Plymouth buyers can combine multiple programs for significant assistance. The Plymouth Down Payment Assistance Program offers up to $15,000 as a zero-interest deferred loan. At the state level, the MassDREAMS program provides grants of up to $50,000, MassHousing DPA offers deferred loans of up to $30,000, and the ONE Mortgage Program requires just 3% down with no PMI. First-generation homebuyers may also qualify for the MAHA STASH program, which offers matching grants of up to $20,000.

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

The Plymouth Down Payment Assistance Program and MassDREAMS both require first-time homebuyer status, generally defined as not having owned a home in the past three years. The MassHousing DPA program also requires first-time buyer status. Habitat for Humanity of Greater Plymouth does not require first-time buyer status but has income limits of 60% AMI.

What is the maximum home price I can pay?+

The Plymouth DPA does not list a specific purchase price limit, but the home must be a single-family residence in Plymouth used as your primary residence. MassHousing and ONE Mortgage have their own purchase price limits that vary by county and are updated periodically. Check with MassHousing or the Massachusetts Housing Partnership for current limits in Plymouth County.

What homebuyer education is required?+

Most programs require completion of a HUD-approved homebuyer education course. The Plymouth Redevelopment Authority at 508-747-1620 ext. 10147 is a HUD-approved counseling agency serving Plymouth. NeighborWorks Housing Solutions at 781-422-4200 also offers homebuyer education courses for Plymouth County residents.

Are there programs for low-income families in Plymouth?+

Yes. Habitat for Humanity of Greater Plymouth offers affordable homeownership opportunities for families earning no more than 60% of the Area Median Income. At least one adult must live or work in Plymouth, Carver, Kingston, Middleboro, Plympton, or Lakeville. Each adult contributes 250 sweat equity hours. Contact them at 508-866-4188.

What are the income limits for Plymouth programs?+

The Plymouth DPA requires household income at or below 80% of the Area Median Income for the Plymouth County area. The MassDREAMS grant is available to buyers earning up to 100% AMI for the full $50,000 or up to 135% AMI for $35,000. MassHousing DPA is available to buyers earning up to 135% AMI. Habitat for Humanity of Greater Plymouth serves families at or below 60% AMI. Income limits are adjusted by household size and updated annually by HUD.

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