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Get Matched Free →ONE Mortgage Program
Funding status: Active
How much assistance
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
Not applicable — this is a first mortgage product, not a forgivable loan.
Eligibility
- Income limits: Up to 100% of Area Median Income; borrowers below 80% AMI may qualify for additional MHP subsidy
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Credit score minimum: 640
- Geographic restrictions: Available statewide through over 40 participating lenders.
- Homebuyer education required: Yes
How to Apply for ONE Mortgage Program
Complete homebuyer education, contact a participating ONE Mortgage lender, and apply. Total household assets must be under $100,000. Credit score minimum is 640 for single-family or condo, 660 for two- or three-family.
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Learn More About Homebuying in Massachusetts
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