Increase your buying power in Massachusetts
51 homebuyer assistance programs in Massachusetts put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.
What 51 programs tell us about buying in Massachusetts
Most help is free money
28 of 51 Massachusetts programs are grants or forgivable loans you never repay if you meet the terms.
Boston pays the most
The Boston Housing Authority First Home program offers up to $75,000 and the City of Boston’s first-time buyer grant up to $50,000.
Cities and towns run the show
43 of 51 programs are local, from Springfield and New Bedford to Provincetown, Wellfleet and Great Barrington.
How the help arrives · 51 programs
Award sizes · grants and loans with a dollar cap
1 more pays a percentage of the price or loan, which scales with the home you buy. Your award depends on income, price and location.
Who runs them
8 programs are available statewide. 43 are limited to a city, county or region, so the address you buy at changes what you can get.
More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 51 Massachusetts programs and 27 multi-state programs at once, and shows where creative financing like seller credits can stack on top.
Check my eligibilityPrograms to know in Massachusetts
A few of the 51 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.
MassHousing Down Payment Assistance
MassHousingUp to $30,000 at 0% for single-family homes, condos and multi-family properties, with a household income cap of $205,335.
ONE+ Mortgage Program
Massachusetts Housing PartnershipPairs MHP’s ONE Mortgage (up to 97% financing, no PMI, fixed 30-year rate) with up to $50,000 in assistance, for households up to 100% of area median income.
First-Time Homebuyer Program
City of Boston3% of the price up to $50,000, plus closing cost help, for households up to 135% of area median income.
BHA First Home Program
Boston Housing AuthorityUp to $75,000 toward a first home through the Boston Housing Authority’s voucher programs.
STASH First-Generation Program
Massachusetts Affordable Homeownership Alliance$10,000 for homes in Boston and up to $20,000 in certain cases, for first-generation buyers up to 100% of area median income.
Down Payment and Closing Cost Assistance
City of Springfield$10,000 to $35,000 depending on income, for first-time buyers at or below 80% of area median income.
27 multi-state programs also serve Massachusetts
Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.
These are 4 of the 27 multi-state programs open to Massachusetts buyers. See which ones you qualify for
See how much more home you can afford in Massachusetts
- 1Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
- 2Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
- 3Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
Every Massachusetts program, matched to your buyer in seconds
Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.
Massachusetts homebuyer assistance FAQ
How much down payment assistance can I get in Massachusetts?
It depends on where you buy and your household income. Among the 41 Massachusetts programs we track that publish a dollar cap, the median award is $15,000. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.
How do these programs increase my buying power?
Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.
Can I combine these programs with seller credits or other creative financing?
Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.
Do I have to pay the assistance back?
28 of the 51 active programs (55%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 15 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.
Do I need to be a first-time homebuyer?
Not always. 8 of the 51 Massachusetts programs we track explicitly require first-time status, and most of those count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.
Are there programs for teachers, first responders or other workers?
Yes. 2 programs we track in Massachusetts are tied to a specific employer or profession, such as public employees, educators, first responders, healthcare workers or service members. Job-based programs often stack with income-based ones.
Can I combine more than one program?
Sometimes. Massachusetts has 8 programs available statewide and 43 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.
How do I find out which programs I qualify for?
Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in Massachusetts, plus multi-state and national programs, and shows the ones that fit.
How current is this information?
Our team reviews every program against the provider’s own materials on a rolling basis. Funding opens and closes often; the Wallet Wizard shows each program’s current status.
Explore another state
All Top ProgramsSource: the Homebuyer Wallet database of 2,000+ Community Home Investment Programs (CHIPs). Each program is reviewed by our team against the provider’s own website and documents. Award amounts are program maximums.