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Get Matched Free →MassDREAMS Down Payment Assistance Grant
Funding status: Active
How much assistance
Up to $50,000 for buyers earning up to 100% AMI; up to $35,000 for buyers earning 100-135% AMI
No repayment required as long as participant uses the home as primary residence and complies with program requirements.
Eligibility
- Income limits: Up to 135% of area median income (AMI). Up to $50,000 available for those at or below 100% AMI; up to $35,000 for those between 100-135% AMI.
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Credit score minimum: 640
- Geographic restrictions: Must currently reside in one of 29 designated communities: Attleboro, Boston, Brockton, Chelsea, Chicopee, Everett, Fall River, Fitchburg, Haverhill, Holyoke, Lawrence, Leominster, Lowell, Lynn, Malden, Methuen, New Bedford, Peabody, Pittsfield, Quincy, Randolph, Revere, Salem, Somerville, Springfield, Taunton, Westfield, Worcester, and one additional community.
- Homebuyer education required: Yes
How to Apply for MassDREAMS Down Payment Assistance Grant
Must use a MassHousing mortgage loan. Requires 3% down payment (at least 1.5% from own savings). Must have less than $75,000 in total household assets (excluding most retirement and college savings). Credit score minimum: 640 for single-family/condo, 660 for 2-3 family homes.
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Cities Where This Program Is Available (66 cities across 1 state)
Massachusetts (66 cities)
- Agawam, MA
- Amherst, MA
- Andover, MA
- Arlington, MA
- Attleboro, MA
- Barnstable, MA
- Beverly, MA
- Billerica, MA
- Boston, MA
- Braintree, MA
- Bridgewater, MA
- Brockton, MA
- Brookline, MA
- Cambridge, MA
- Chelmsford, MA
- Chelsea, MA
- Chicopee, MA
- Dartmouth, MA
- Dracut, MA
- Everett, MA
- Fall River, MA
- Falmouth, MA
- Fitchburg, MA
- Franklin, MA
- Gloucester, MA
- Haverhill, MA
- Holyoke, MA
- Lawrence, MA
- Leominster, MA
- Lexington, MA
- Lowell, MA
- Lynn, MA
- Malden, MA
- Marlborough, MA
- Medford, MA
- Melrose, MA
- Methuen, MA
- Milford, MA
- Milton, MA
- Natick, MA
- Needham, MA
- New Bedford, MA
- Newton, MA
- North Andover, MA
- North Attleborough, MA
- Northampton, MA
- Norwood, MA
- Peabody, MA
- Pittsfield, MA
- Plymouth, MA
- Quincy, MA
- Randolph, MA
- Revere, MA
- Saugus, MA
- Shrewsbury, MA
- Somerville, MA
- Springfield, MA
- Taunton, MA
- Tewksbury, MA
- Waltham, MA
- Watertown, MA
- Wellesley, MA
- West Springfield, MA
- Weymouth, MA
- Woburn, MA
- Worcester, MA