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Buy Cities Initiative

Looking to buy a home in Attleboro, Brockton, Fall River, greater Gardner, New Bedford, Quincy, Southbridge, Springfield, Taunton, or Worcester? Consider an affordable, low or no-downpayment loan through the Buy Cities program.

How to Apply

Buy Cities mortgages are offered by approved lenders and made possible by MassHousing. Visit the appropriate program page, listed in the right column, for participating lender information.

Who is eligible?

The Buy Cities program is for borrowers purchasing a home in Attleboro, Brockton, Fall River, greater Gardner, New Bedford, Quincy, Southbridge, Springfield, Taunton, or Worcester.

Loan Terms

Buy Cities loans

  • Are 30-year fixed-rate mortgages with zero points
  • May be used to finance up to 100% of the purchase of a home
  • Have rates and terms competitive with traditional-downpayment loans
  • Feature MI Plus mortgage insurance, with mortgage payment protection

Income Limits and Other Restrictions

Income Limits

Income and loan limits apply. View income limits.

Other Restrictions

To qualify for a Buy Cities loan, you must

  • Have good credit
  • Have a total monthly debt of less than 45%

Homebuyer Tips

Do you have questions about the homebuying process? Want to stay informed about MassHousing products and support for homebuyers? Subscribe to Homebuyer Tips!

Quick Links

Interest Rates

For interest rates and loan terms, please contact the Buy Cities program in which you are interested.

Mortgage Insurance

For loans that require it, MassHousing offers several mortgage insurance options.

Homebuying Tips

Subscribe to have helpful homebuying tips, news and information delivered directly to your inbox!

 Buy Cities Documents
Community Page  Home Buyers (Income and Loan Limits)
 Buy Cities Programs
Web Link  At Home in Quincy
Web Link  Buy Attleboro
Web Link  Buy Brockton
Document  Buy Cape Cod & Islands Program Brochure
Web Link  Buy Fall River
Web Link  Buy New Bedford
Web Link  Buy Springfield Now
Web Link  Buy Taunton

Still Have Questions?

A photo of MassHousing's Rich Petisce

Do you have questions about the homebuying process or about our products and programs for homebuyers? Ask Rich, MassHousing's resident mortgage and homebuying expert!

TEL: 888.843.6432 | Email
Monday-Friday, 9 a.m. to 5 p.m.

Online Homebuyer Counseling

Learn about MassHousing's online homebuyer education course, The Road Home.