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Down Payment Assistance is Here!

Eligible homebuyers can now access down payment assistance from MassHousing! Learn more...

MassHousing Mortgage

Available with MI Plus Mortgage Payment Protection!

More than 50,000 people have used a simple, straightforward MassHousing Mortgage to buy a 1-4 family home or condominium in Massachusetts! All MassHousing Mortgages feature

  • Affordable interest rates, fixed for the life of the loan
  • Flexible underwriting and income limits
  • Loan servicing by MassHousing. If you have a question, you’ll know who to call!

See if you might be eligible for a MassHousing Mortgage!

Down Payments

Having trouble with the initial costs of buying a home? We’ve got you covered!

  • Down payment assistance available to qualifying borrowers, for up to 3% of the purchase price or $12,000, whichever is less
  • MassHousing also offers a number of low down payment options

Mortgage Insurance (MI) Options

Not all MassHousing Mortgages require MI. Loans insured by MassHousing feature

Buying a Home in Need of Repair?

A MassHousing Mortgage may be used to finance the purchase and rehabilitation/repair of a home!

Next Steps

To learn more about these and other programs and resources from MassHousing, fill out the form below!

We can help you move toward a MassHousing loan

Thinking about applying for a home mortgage loan? Let us help. When you provide your information below, we’ll help you identify our lending partners that will be able to assist you with obtaining a MassHousing loan. We can also answer questions and send you our homebuying tips.

* Indicates mandatory field.

Quick Links

Interest Rates

MassHousing rates change daily. Please contact a participating lender for the current MassHousing interest rate.

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!

 MassHousing Mortgage Docs
Document  Down Payment Assistance from MassHousing
Community Page  Home Buyers (Income and Loan Limits)
Document  MassHousing Mortgage Brochure
Document  MassHousing Product Summary for Homebuyers
Document  Who Is MassHousing?

Still Have Questions?

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

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