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Get Matched Free →MassHousing Down Payment Assistance
Funding status: Active
How much assistance
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%)
The 0% tier is deferred with no monthly payments — repayment is due when you sell, refinance, or pay off the first mortgage. The 2% and 3% tiers are fully amortizing second mortgages.
Eligibility
- Income limits: Below 60% AMI for top tier; up to 80% AMI for mid tier; up to 135% AMI in Boston and Gateway Cities, up to 100% AMI elsewhere
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Geographic restrictions: Available statewide in all Massachusetts cities and towns. Purchase price limit is approximately $838,717 in most areas, higher in Boston/Cambridge.
- Homebuyer education required: Yes
How to Apply for MassHousing Down Payment Assistance
Complete a homebuyer education course, then work with a MassHousing-approved lender to apply for a MassHousing first mortgage paired with DPA. You must have a signed purchase and sale agreement before applying.
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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