Grant Directory

Verified government funding opportunities

MassHousing

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Latest opportunities (2)

MassHousingMAFirst-Time HomeownerState housing finance agency platform that delivers affordable 30 year fixed rate MassHousing mortgages through participating lenders and allows eligible buyers to add agency backed down payment assistance up to 30000 dollars to reduce cash needed at closing.

Updated: Dec 6, 2025

Statewide MassHousing homebuyer portal offering affordable fixed-rate mortgages, down payment assistance, and homebuyer education to first-time and modest-income buyers across Massachusetts.

Eligible for: Households with modest incomes purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) anywhere in Massachusetts who m…

Funding: MassHousing mortgages can be combined with down payment assistance of up to 30000 dollars statewide to help eligible first time and modest income buyers cover down payment and closing costs while keeping monthly payments affordable.Deadline: Rolling; MassHousing loans and assistance are offered year-round through participating lenders, subject to program funding.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentowner-occupantdown payment assistanceclosing cost assistanceaffordable mortgagehomebuyer educationlow down payment

MassHousingMAFirst-Time HomeownerState housing finance agency second mortgage program that offers structured deferred and amortizing loans layered on top of MassHousing first mortgages to cover a portion of the buyer's down payment and closing costs.

Updated: Dec 6, 2025

MassHousing’s flagship down payment assistance program providing up to $30,000 statewide via structured second mortgages layered on top of MassHousing first loans.

Eligible for: Income-eligible first-time homebuyers purchasing a 1–4 unit primary residence (single-family, condo, or 2–4 family) in Massachusetts who pai…

Funding: Provides up to 30000 dollars in down payment assistance as a second mortgage when combined with a MassHousing first loan, including a zero percent deferred option up to 30000 dollars with no monthly payments until payoff, sale or refinance and additional options that offer up to 25000 dollars as 15 year amortizing second mortgages at fixed 2 or 3 percent interest with modest monthly payments.Deadline: Rolling; available in every city and town in Massachusetts while borrowers qualify for an underlying MassHousing first mortgage and DPA funds remain.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMassachusetts residentowner-occupantdown payment assistanceclosing cost assistancesecond mortgagedeferred loanaffordable mortgage