Massachusetts: Home Buying Programs

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.

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

The following programs are available throughout the Commonwealth: : : Includes "MI Plus" mortgage insurance, which can

Crucially, this program , which can save hundreds of dollars monthly. STASH (Saving Toward Affordable Sustainable Homeownership) : : Includes "MI Plus" mortgage insurance

: 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.

: For homebuyers with household incomes below 60% of the Area Median Income (AMI).

: Includes "MI Plus" mortgage insurance, which can pay your mortgage for up to six months if you lose your job. ONE Mortgage Program (MHP) :