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Down Payment Assistance · Massachusetts

Down Payment Assistance Programs in Massachusetts

5 public assistance programs available to homebuyers in Massachusetts — maximum assistance, who qualifies, and the official source link for each. We index them; we do not administer programs or determine eligibility.

As of Jul 8, 2026

  • MassHousing Down Payment Assistance

    Forgivable loan

    MassHousing

    Up to 10% (max $50,000)

    max assistance

    Assistance of up to 10% of the purchase price as a second loan, paired with a MassHousing first mortgage.

    First-time buyerRepeat buyer
    Statewide income limit; owner-occupied 1–4 units
    Updated Jul 8, 2026Official source

  • ONE+ Down Payment Assistance

    Deferred second loan

    MassHousing

    Up to $30,000

    max assistance

    A deferred second-mortgage covering down payment and closing costs, repaid when the home is sold or refinanced.

    First-time buyer
    Income limits vary by county & household size
    Updated Jul 8, 2026Official source

  • Workforce Advantage

    Deferred second loan

    MassHousing

    Up to $30,000

    max assistance

    Deeper assistance for lower-income first-time buyers, structured as a 0% deferred loan forgiven under residency terms.

    First-time buyerEducatorFirst responder
    Lower-income limits; select communities
    Updated Jul 8, 2026Official source

  • FHA Insured Loan (3.5% down)

    Savings matchNationwide

    Federal Housing Administration

    3.5% min down

    max assistance

    A government-insured mortgage allowing a down payment as low as 3.5%, with more flexible credit requirements than conventional loans.

    First-time buyerRepeat buyerVeteran / military
    No income limit; loan limits vary by county
    Updated Jun 30, 2026Official source

  • Good Neighbor Next Door

    Forgivable loanNationwide

    U.S. Dept. of Housing & Urban Development

    50% off list price

    max assistance

    Teachers, law enforcement, firefighters, and EMTs can buy eligible HUD homes at 50% off, forgiven over a 3-year residency.

    EducatorFirst responder
    Must buy in a designated revitalization area
    Updated Jun 22, 2026Official source

See what a home costs to own in Massachusetts, or browse assistance in every state. Always confirm current terms with the official program source.