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.

Notice of Funding Availability; Project-Based Homeownership Guidelines pdf format of Notice of Funding Availability; Project-Based Homeowner
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Massachusetts Homeownership Compact 

Massachusetts Homeownership Compact pdf format of Massachusetts Homeownership Compact

Prospective buyers will find extremely helpful information at the website


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.


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.

One Mortgage Program


Fannie Mae

Freddie Mac

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

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