MassHousing Down Payment Assistance
Repayable second loan · Income limits · First-time
Down payment assistance · Massachusetts
Buying a home in Massachusetts
27 programs: 6 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.27 programs across Massachusetts: 6 statewide, the rest run by counties and 17 cities. What you can use depends on where the home is.
Free · No SSN · No credit pull
Start with your county
Local help, prices and income limits differ county to county
- Essex6 local programs · $619,100 · AMI $164,600
- Bristol4 local programs · $451,200 · AMI $94,300
- Barnstable2 local programs · $629,000 · AMI $123,600
- Hampden2 local programs · $298,800 · AMI $96,700
- All 14 counties
Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.
Anywhere in Massachusetts
6 statewide programs
DPA 2% 15 Year Amortized
Assistance grant · New construction · Income limits · First-time · Veterans
DPA 3% 15 Year Amortized
Assistance grant · New construction · Income limits · First-time · Veterans
- Veterans · 4
- Teachers · 1
- First responders · 1
- First-generation homebuyers · 1
- With FHA · 25
- With VA · 24
- With USDA · 25
- With conventional · 27
Plus 62 nationwide programs. See them See nationwide programs
Free help from a person
44 HUD-approved counseling agencies in Massachusetts44 HUD-approved housing counseling agencies in Massachusetts
All 6 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 6 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.
Find my counselor
Free account → 90-second match → your counselors
Income limitsIncome limits and price caps in MassachusettsArea median income for all 14 counties, and the limit each program sets.See the limits
Massachusetts questions
What is MassHousing Down Payment Assistance?
MassHousing Down Payment Assistance, a repayable second loan for first-time homebuyers (income limits), open anywhere in Massachusetts. Its page has the details and a link to the official site.
Which Massachusetts counties run their own programs?
8 counties of 14 have a county or city program listed, among them Essex, Bristol, Barnstable and Hampden. The table above lists them, and each county page has its own programs.
Do I need a homebuyer class in Massachusetts?
Many programs ask for one. 6 of the 6 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.
Can I use assistance on a Massachusetts condo?
6 of the 6 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.
17 Massachusetts cities with their own program