First Time Home Buyer (FTHB)
The Housing Development Division of the Department of Housing and Community Development provides funding to developers, non-profit organizations and communities to assist first time homebuyers.
Housing Units for Sale
List of DHCD assisted Affordable Units for Sale to First-Time Homebuyers
Check the list of affordable units currently for sale to income-eligible first-time homebuyers. For application information, call the number listed.
Down Payment and Closing Cost Assistance for First Time Homebuyers
DHCD provides down payment and closing cost assistance to income-eligible first-time homebuyers through participating communities and non-profits. Check the list of current providers and the communities they serve.
List of participating Communities 
Tax Credit Loan Program for first time home buyers (www.mass.gov/dhcd/1sttimebuyer) or click here to download the fact sheet.
First-Time Homebuyer Education
First-time homebuyer education courses are offered throughout the Commonwealth and are required for most first-time homebuyer programs and loan programs. Check the following sites to find a course near you.
CHAPA Homeownership Education Workshops
MassHousing Homebuyer Counseling
Massachusetts Affordable Housing Alliance
Housing Consumer Education Centers
Mortgages Available to First-Time Homebuyers
Although DHCD does not provide mortgages directly to first-time homebuyers, there are many resources available. Check the following sites for information on a number of state and federal mortgage products for first-time homebuyers. Many Massachusetts banks offer products for first-time homebuyers, call your local lender for more information.
Massachusetts Housing Partnership - The Soft Second Program
US Department of Agriculture – Rural Development
Lead Paint Removal
Your local community may offer programs for homeowners. Contact your city or town hall for more information.
MassHousing’s Get The Lead Out Program
Trainng
