You can buy a home in Massachusetts! MassHousing can help.

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Sign Up for Homebuyer Education

Start with a homebuyer education course. You’ll learn about all aspects of the homebuying process, from setting your budget and understanding credit to making an offer on a home and applying for a mortgage.

Find a Homebuyer Education Class

Explore Homebuyer Programs

Affordable mortgage loans, down payment assistance up to $30,000, and a number of other programs and benefits make MassHousing a great option for eligible homebuyers.

Explore MassHousing Programs

Check Eligibility & Connect with a Lender

MassHousing’s programs aren’t for everyone, but they’re available to more people than you might think. Complete our Eligibility Quick Check and get connected with one of our top lending partners.

Complete the Eligibility Quick Check

Frequently Asked Questions

MassHousing loans help households with modest incomes buy a home in Massachusetts.

Borrowers must meet income limits and purchase a single-family home, condo or 2-4 family property in Massachusetts that will be their primary residence.
Many of our programs are for first-time homebuyers, but we have several programs if you’ve previously owned a home.
Credit and other eligibility requirements also apply.

See if you might be eligible for a MassHousing Mortgage.

MassHousing is not like other lenders. Here’s what you need to know:

MassHousing works with more than 80 lending partners to make our loans available across Massachusetts.
You choose an approved lender and ask for a MassHousing Mortgage.
The lender determines your eligibility for a MassHousing Mortgage and down payment assistance.
If you are eligible, you work with the lender during the homebuying process, through loan closing.
After closing, MassHousing purchases your loan from the lender and you make your monthly mortgage payments to MassHousing.

This is one of the first questions to ask yourself when buying a home. To identify your homebuying budget, start by taking a hard look at your personal finances, including your income, monthly expenses and debt. To determine your current monthly expenses, review your spending and add up your regular monthly expenditures like your phone bill, food, transportation, utilities and dependent care. It’s important to include insurance premiums (auto, medical, life and any others) when budgeting. Keep in mind, owning a home often brings added monthly expenses—both expected and unexpected.

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