See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 5, 2026
Homebuyer Programs in West Springfield, MA (2026)
West Springfield is a town in Hampden County along the Connecticut River, directly across from Springfield and home to the annual Big E fair. With a median home price around $331,000, it is one of the more affordable communities in the region. The West Springfield Housing Authority offers $5,000 to $7,500 in down payment assistance for first-time buyers purchasing in town. State programs through MassHousing provide up to $30,000 in additional assistance, and the MassDREAMS grant offers up to $50,000 for qualifying buyers. Greater Springfield Habitat for Humanity also serves West Springfield with affordable homeownership opportunities. By combining local, state, and federal programs, eligible buyers could access substantial help toward their home purchase.
City Programs in West Springfield
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| West Springfield First-Time Homebuyer Down Payment Assistance | Deferred Loan | $5,000 - $7,500 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- $5,000 - $7,500
- 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 → |
| Greater Springfield Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable mortgage with low interest rate; homes sold at no profit | No | View → |
| HAPHousing American Dream Down Payment Assistance | 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 → |
- Type:
- Grant
- Amount:
- Up to $40,000 grant
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with low interest rate; homes sold at no profit
- First-time only:
- No
- Type:
- 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
How to Apply
Step 1: Check your eligibility. Most programs require household income at or below 80% of Area Median Income and first-time homebuyer status, meaning you have not owned a home in the past three years.
Step 2: Complete homebuyer education. Way Finders at 1780 Main Street in Springfield offers monthly HUD-certified first-time homebuyer workshops. Springfield Partners for Community Action is another HUD and CHAPA dual-certified housing counseling agency serving the area.
Step 3: Contact the West Springfield Housing Authority at 37 Oxford Place, West Springfield, MA 01089 to apply for $5,000 to $7,500 in local down payment assistance.
Step 4: Get pre-approved for a mortgage. Work with a MassHousing-approved lender to determine if you qualify for up to $30,000 in MassHousing Down Payment Assistance. Monson Savings Bank in the area also participates in DPA programs through the Federal Home Loan Bank of Boston.
Step 5: Find a home in West Springfield within program limits and submit your applications. Your lender and housing counselor will coordinate all DPA funds to be disbursed at closing.
Frequently Asked Questions
How much down payment assistance can I get in West Springfield?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
Can I use Greater Springfield Habitat for Humanity in West Springfield?+−
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