Massachusetts • First-Time Homeowner programs
First-Time Homeowner grants in Massachusetts
Browse first-time homeowner grants available in Massachusetts, including statewide and local programs.
5 active programs in Massachusetts
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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…
City of Salem, MA – Department of Planning & Community DevelopmentMAFirst-Time HomeownerCity housing office that uses local, state and federal funds to offer first time homebuyer down payment assistance loans, housing rehabilitation loans and landlord assistance programs alongside broader housing stability resources.
Updated: Dec 6, 2025
City of Salem housing resource hub featuring the First-Time Homebuyer Downpayment Assistance Loan Program plus rehab, landlord, and housing stability programs for residents.
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…
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…
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…