MassHousing's Home for the Brave program offers affordable, no-downpayment mortgage financing for veterans of the U.S. Armed Services. In conjunction, grants from the U.S. Department of Veterans Affairs are available to help disabled veterans make accessibility upgrades to properties they are interested in purchasing.

How to Apply

Home for the Brave loans are made through approved community banks and are made possible by MassHousing. To apply, contact a participating lender.

Who is Eligible?

Home for the Brave loans are available to

  • all veterans of the U.S. Armed Services,
  • Active-duty military*,
  • Spouses of soldiers, sailors, airmen, or Marines killed while on active duty.

*Because the employment on which their qualification is based is their military service, active-duty military do not qualify for mortgage payment protection if called to serve overseas since neither employment nor salary would change.


No downpayment is required for single-family homes and condominiums.

Income Limits

Home for the Brave borrowers may earn up to 135% of the median income in the city/town in which they are buying a home (up to $111,240). View income limits.

Other Restrictions

To qualify for a Home for the Brave mortgage, you must

  • Purchase a primary residence. You do not have to be a first-time home buyer, but you may not own more than one home upon closing the loan
  • Have good credit
  • Have a total housing debt of less than 38% and a total monthly debt of less than 45%
  • If you are buying a 2-, 3- or 4-family property, have two-months' reserves
  • If you are seeking 100% financing, complete a home buyer counseling course


Boston Office

One Beacon Street
Boston, MA 02108-3110
Fax 617-854-1091
TDD 617-854-1025

Western Mass. Office

59 Interstate Drive
West Springfield, MA 01089
Fax 413-733-2045
TDD 413-733-2103