See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 3, 2026
Homebuyer Programs in Quincy, MA (2026)
Quincy is a coastal city in Norfolk County just south of Boston, known for its historic neighborhoods and growing downtown. With a median home price around $658,000, buying here can be a significant investment, but several assistance programs can help. The South Shore HOME Consortium First Time Homebuyer Program offers up to $20,000 in 0% interest deferred loans for purchases in Quincy. At the state level, MassHousing provides up to $30,000 in down payment assistance for buyers below 60% AMI, and the ONE Mortgage Program offers 30-year fixed-rate loans with just 3% down and no PMI. By stacking local, state, and federal programs, Quincy homebuyers can potentially access over $50,000 in combined assistance to make homeownership more affordable.
City Programs in Quincy
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Quincy Housing Authority Section 8 Homeownership Program | Grant | Monthly mortgage payment assistance via Section 8 Housing Choice Voucher | No | View → |
| South Shore HOME Consortium First Time Homebuyer Program | Deferred Loan | Up to $20,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Monthly mortgage payment assistance via Section 8 Housing Choice Voucher
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $20,000
- 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 → |
- 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 |
|---|---|---|---|---|
| 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 $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. Most programs require household income at or below 80% AMI, which in the Boston-Cambridge-Quincy area is up to $191,520 for a 1-2 person household. Many programs also require first-time buyer status, meaning you have not owned a home in the past three years.
Step 2: Complete homebuyer education. Enroll in a HUD-approved first-time homebuyer workshop through Quincy Community Action Programs (QCAP) at (617) 479-8181 ext. 376. QCAP is a HUD-certified housing counseling agency offering group workshops and one-on-one counseling.
Step 3: Contact the Quincy Office of Healthy Homes. Reach them at (617) 376-1055 or quincyohh@quincyma.gov to learn about the South Shore HOME Consortium First Time Homebuyer Program, which provides up to $20,000 in deferred-payment assistance.
Step 4: Explore state programs through MassHousing. Connect with a MassHousing-approved lender to apply for MassHousing Down Payment Assistance (up to $30,000) or the ONE Mortgage Program. Visit masshousing.com for a lender list.
Step 5: Get pre-approved for a mortgage. Work with your lender to determine your buying power and confirm which assistance programs you qualify for. NeighborWorks Housing Solutions at 45 Winter Street in Quincy can also help you navigate program options.
Step 6: Find a home within program limits. The South Shore HOME Consortium has a purchase price limit of $606,000 for existing homes and $622,000 for new construction.
Step 7: Submit your applications. Once you have a signed purchase and sales agreement, submit your DPA applications. Processing times vary, so plan ahead and stay in close contact with your lender and the Office of Healthy Homes.
Frequently Asked Questions
How much down payment assistance can I get in Quincy?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay using the South Shore HOME Consortium program?+−
What homebuyer education is required?+−
What are the income limits for Quincy homebuyer programs?+−
Can I use the South Shore HOME Consortium assistance for closing costs?+−
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