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First Time Home Buyer (FTHB)

The Commonwealth of Massachusetts offers a variety of programs to help potential homeowners navigate the home buying process.

Partner agencies in Massachusetts provide education, mortgage programs and more assistance for families and individuals to find the right home. Although DHCD does not provide mortgages directly to first-time homebuyers, there are many resources available.

You can find tools to assist you in your first home buying experience on this page.

My Mass Mortgage is a guide for potential homeowners and first-time homebuyers interested in homeownership. The website provides in-depth information on mortgage products, education courses and counseling for potential homeowners.

Massachusetts Homeownership Resources

Prospective buyers will find extremely helpful information at the My Mass Mortgage website.

Housing Units for Sale

Please use the list of DHCD assisted Affordable Units for Sale to check the list of affordable units currently for sale to income-eligible first-time homebuyers. For application information, call the number listed.

Additional Resources for Housing Units for Sale

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 Additional Resources to find a course near you.

Additional Resources for First-Time Homebuyer Education

Mortgages Available to First-Time Homebuyers

Although DHCD does not provide mortgages directly to first-time homebuyers, there are many resources available. Check the Additional Resources 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.

Additional Resources for Mortgages Available to First-Time Homebuyers

Lead Paint Removal

  • Your local community may offer programs for homeowners.
  • Contact your city or town hall for more information.

Additional Resources for Lead Paint Removal

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