Skip to main content

Unlocking Homeownership

Learn how to take advantage of the new expanded homebuyer assistance program through MassHousing.

Saving for a downpayment and other upfront costs are some of the biggest barriers to buying a first home. That’s why Govenror Maura Healey is investing $25 million to make homeownership a reality for more working and middle-class families.  

Eligible first-time homebuyers can access $25,000 in a new homebuyer assistance loan program at 0% interest with deferred repayment terms through MassHousing. This limited-time assistance can help cover a down payment, closing costs, upfront mortgage insurance or a permanent interest rate buydown.  

Skip table of contents
You skipped the table of contents section.

What you need to know

MassHousing manages this program and works with approved lenders across Massachusetts to provide: 

Mass Housing logo
  • $25,000 in homebuyer assistance 
  • 0% interest 
  • No monthly payments on the assistance loan 
  • Available for eligible first-time homebuyers who lock a MassHousing mortgage between April 27 and July 31, 2026 
  • Can be used for down payment, closing costs, upfront mortgage insurance or a permanent interest rate buydown 

Who is eligible

This opportunity is available to eligible first-time homebuyers who:

  • Earn up to 135% of the area median income 
  • Are buying a single-family home, condominium, or 2-, 3- or 4-family property in Massachusetts as their primary residence 
  • Use a MassHousing Mortgage 
  • Work with a MassHousing partner lender 

Additional credit, income and program requirements apply. MassHousing and its lending partners determine final eligibility.

How to get started

MassHousing is the program administrator. To learn more, check your eligibility and connect with a lender, visit MassHousing:

Find a MassHousing lender  Learn more about MassHousing homebuyer programs  Learn more about down payment assistance 

The Healey-Driscoll Administration is also advancing other tools to expand access to homeownership, including the Massachusetts Homeownership Tax Credit and Massachusetts Housing Partnership homeownership programs. 

For more housing help resources in Massachusetts, visit:

Massachusetts Housing Partnership's homeownership programs   Shelter, rental assistance and affordable housing help   The Affordable Homes Act 

Help Us Improve Mass.gov  with your feedback

Please do not include personal or contact information.
Feedback