MassHousing Mortgages

Since making its first loan more than 50 years ago, MassHousing has helped more than 70,000 Massachusetts residents buy a home in the Commonwealth.

General Information

MassHousing (The Massachusetts Housing Finance Agency) is an independent, quasi-public agency created in 1966 to support affordable housing opportunities for Massachusetts residents. The Agency provides affordable mortgage loans with down payment assistance to Massachusetts homebuyers with modest incomes, all without the use of taxpayer dollars.

All MassHousing loans feature affordable, fixed interest rates with no hidden fees or other surprises, and are serviced locally in Massachusetts. MassHousing provides down payment assistance of up to $25,000 for eligible borrowers. In addition, MassHousing provides a unique mortgage insurance benefit called MI Plus, which helps borrowers pay their mortgage for up to six months if they lose their job.

To be eligible for a MassHousing Mortgage, borrowers must meet income limits, which vary by location and loan program. MassHousing loans may be used to purchase or refinance condominiums and 1- to 4-family homes.

If you are interested in learning more, contact MassHousing’s Homebuying Team at 888-843-6432 or Or visit their website at

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