Programs by situationPrograms by situation · Massachusetts
4 programs name veterans and military families: 1 city, 3 statewide.4 programs in Massachusetts name veterans and military families among the groups they serve: 1 run by a city and 3 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a veteran puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a veteran gets a program onto this list; it does not decide whether you can use it.
The 4 programs, closest first
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Massachusetts. Listed A–Z within each group, not ranked.
Deferred second loan · First-time homebuyers · Income limit 135% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Assistance grant · First-time homebuyers · Income limit 100% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Assistance grant · First-time homebuyers · Income limit 135% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →Deferred second loan · First-time homebuyers · Income limit 135% of area median income
Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required
See details →What to know
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
ask for a homebuyer education class.
are limited to first-time homebuyers, as each program defines it.
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in MassachusettsFree help in Massachusetts
All 4 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.All 4 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a veteran. Create a free account to see who’s near you.
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No. These programs name veterans and military families in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
A nationwide program is not one of Massachusetts’s own, so it is listed below the 4 Massachusetts programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.