Who is eligible for a MassHousing Mortgage?

MassHousing loans help low- and moderate-income households buy a home in Massachusetts.

• Borrowers must meet income limits, which vary by location and loan program. 
• Many of our programs are for first-time homebuyers, but we have several programs if you’ve previously owned a home. 
• Credit, income and other eligibility requirements also apply.

To see if you might be eligible for a MassHousing Mortgage, search our income limits or contact a participating lender and ask them for a MassHousing Mortgage. 

How to get a MassHousing Mortgage

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

1. MassHousing works with more than 100 lending partners to make our loans available across Massachusetts.
2. You choose an approved lender and ask for a MassHousing Mortgage.
3. The lender determines your eligibility for a MassHousing Mortgage and down payment assistance.
4. If you are eligible, you work with the lender during the homebuying process, through loan closing.
5. After closing, MassHousing purchases your loan from the lender and you make your monthly mortgage payments to MassHousing.