Massachusetts First-Time Home Buyer Programs 2026
$30,000 DPA available through Massachusetts Housing Finance Agency (MassHousing). MassHousing DPA offers up to $30K (Boston area) at 0% — highly competitive program.
Max Assistance
$30,000 DPA
Type
0% deferred loan
Min Credit
640+
Max Home Price
$675,000
Ready to apply for Massachusetts assistance?
Get pre-approved in minutes — your lender will connect you with MassHousing programs automatically.
Massachusetts First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| MassHousing Down Payment Assistance Best for Greater Boston | Up to $30,000 | 0% deferred loan | 640+ | $97K–$175K |
| MHP ONE+Boston Boston specifically | Up to $15,000 | 0% deferred | 640+ | Same |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within MassHousing limits by area
- ✓Homebuyer education required
- ✓Primary residence in MA
Pro Tip
Available statewide: Boston, Worcester, Springfield, Cambridge, Lowell. Boston area has highest limits.
How to Apply for Massachusetts Programs
Get Pre-Approved
Work with a MassHousing-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Massachusetts Housing Finance Agency
MassHousing — Massachusetts official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Massachusetts?
The best program in Massachusetts is the MassHousing Down Payment Assistance, which offers Up to $30,000 as a 0% deferred loan. Minimum credit score: 640. Income limit: $97K–$175K.
How much down payment assistance is available in Massachusetts?
Massachusetts offers up to $30,000 DPA through Massachusetts Housing Finance Agency (MassHousing). The assistance is structured as a 0% deferred loan. Income limits are $97,000–$175,000 depending on household size and county.
What credit score do I need for Massachusetts first-time buyer programs?
Most Massachusetts programs through MassHousing require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an MassHousing-approved lender for your exact score requirements.
What is the income limit for Massachusetts first-time buyer programs in 2026?
In 2026, Massachusetts income limits are $97,000–$175,000 depending on household size and county. The home price limit is $675,000. These limits are set by Massachusetts Housing Finance Agency.
Don't Leave $30,000 DPA on the Table
Pre-approval is free. Your lender will apply for MassHousing programs automatically — no extra work for you.
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