Buying Programs: Massachusetts Home

Massachusetts offers several state-sponsored programs to help residents, particularly first-time and low-to-moderate-income buyers, achieve homeownership through down payment assistance and affordable mortgage products.

: For those earning 60%–135% of AMI. As of April 2026, a temporary expansion offers 0% interest on these loans for eligible buyers who lock their mortgages by July 31, 2026. massachusetts home buying programs

A matched-savings program by the Massachusetts Affordable Housing Alliance (MAHA) that provides up to for first-generation homebuyers. Local & Targeted Programs Homeownership - Massachusetts Housing Partnership particularly first-time and low-to-moderate-income buyers

Crucially, this program , which can save hundreds of dollars monthly. STASH (Saving Toward Affordable Sustainable Homeownership) : massachusetts home buying programs

Designed for low-to-moderate-income first-time buyers, offering a and requiring as little as 3% down .