Commonwealth of Massachusetts

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ONE Mortgage Program

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Commonwealth of MassachusettsMAFirst-Time HomeownerState supported affordable mortgage program administered by Massachusetts Housing Partnership that provides a 30 year fixed rate first mortgage with low down payment, no private mortgage insurance and built in interest subsidy and in some variants access to additional down payment or closing cost assistance.

Updated: Dec 6, 2025

Flagship affordable mortgage program offering first-time buyers a low down payment, below-market fixed rate, no PMI, and built-in interest subsidy to keep payments manageable.

Eligible for: Low- and moderate-income first-time homebuyers in Massachusetts who meet MHP income and purchase price limits, complete approved homebuyer e…

Funding: Rather than a flat grant, the program lowers total housing costs through below market interest rates, elimination of private mortgage insurance and, in some cases, layered subsidies and assistance such as ONE plus and ONE plus Boston that together can save borrowers thousands of dollars over the life of the loan and may include targeted down payment or closing cost help.Deadline: Rolling; available through participating ONE Mortgage lenders while program funding and interest-subsidy allocations remain.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentlow down paymentno PMIinterest subsidyaffordable mortgagehomebuyer education

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MassHousing Mortgages

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Commonwealth of MassachusettsMAFirst-Time HomeownerState information portal describing MassHousing 30 year fixed rate mortgage products delivered through partner lenders with features such as low down payment requirements, competitive interest rates, optional mortgage payment protection and the ability to pair loans with MassHousing down payment assistance up to 30000 dollars.

Updated: Dec 6, 2025

State information page summarizing MassHousing mortgage products: safe, fixed-rate loans with low down payment requirements and optional down payment assistance.

Eligible for: Massachusetts homebuyers with modest incomes who purchase 1–4 unit primary residences in the state, meet MassHousing income and purchase pri…

Funding: The page highlights that MassHousing mortgages can be combined with agency down payment assistance of up to 30000 dollars when paired with an eligible MassHousing first loan, even though the mortgage products themselves do not provide a flat grant amount.Deadline: Rolling; MassHousing loans are available year-round through participating lenders, subject to program terms and funding.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerMassachusetts residentaffordable mortgagelow down paymentdown payment assistancepayment protectionhomebuyer education

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