Up to $30,000 statewide, or up to $50,000 in 29 designated Gateway/select cities. 0% interest deferred second mortgage, due at sale, refinance, or payoff of the first mortgage.

Paired with: Conventional, FHA

• First-time homebuyer: Required
• Primary residence only
• Income: Household income limits apply by county and household size; see MassHousing income schedule.
• Homebuyer education required

Must be paired with a MassHousing first mortgage. 1-4 unit homes and condominiums are eligible. Alternative DPA structures (amortizing second mortgages) are also offered.

Source: www.masshousing.com

Up to $30,000 at 0% interest as a second mortgage, usable for down payment, closing costs, or interest-rate buy-down. Pricing incentives available on the first mortgage.

Paired with: Conventional

• First-time homebuyer: Required
• Primary residence only
• Income: Household income at or below 80% of area median income (AMI).
• Homebuyer education required

Targets lower-income first-time buyers. 1-4 unit homes and condominiums are eligible. Paired with a MassHousing first mortgage.

Source: www.mymasshome.org

Grant funds for down payment and closing costs for eligible buyers in 29 disproportionately-impacted communities (ARPA-funded).

• First-time homebuyer: Required
• Primary residence only
• Income: Buyer must currently reside in one of the 29 designated Gateway/impacted communities; income limits apply.
• Homebuyer education required

Funding is subject to availability. Confirm current status and open eligible communities with MassHousing before applying.

Source: www.masshousing.com

Enhanced down payment and closing cost assistance stacked on the ONE Mortgage: up to 3% of purchase price (max $50,000) for households at or below 100% AMI, and up to 2% (max $35,000) for households 101-135% AMI, plus closing costs.

First-time homebuyers only; pre-purchase homebuyer education required. Paired with the MHP ONE Mortgage first mortgage.

Source: www.boston.gov