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MassHousing Mortgage with Rehabilitation

A MassHousing Mortgage with Rehabilitation can help you purchase and rehabilitate a property, or refinance and rehabilitate your current home.

How to Apply

To apply for a MassHousing Mortgage with Rehabilitation, contact a participating lender or rehabilitation agency.

Income and Loan Limits

To obtain a MassHousing Mortgage with Rehabilitation, borrowers must meet income and loan limits, which vary by city or town.

Up to 50% of the "as completed" appraised value of the property can be financed toward renovation costs.


A MassHousing Mortgage with Rehabilitation features low down payment requirements. Down payment and closing cost assistance can be used in partnership with this program.

Loan Terms

  • The minimum rehabilitation amount for all property types is $7,500
  • Rehabilitation costs include the cost of repairs, as well as such expenses as inspection fees, title update fees, and a required contingency reserve equal to 10% of the total rehabilitation cost
  • If the property will not be occupied during rehabilitation, a mortgage payment reserve not to exceed six mortgage payments may be included in the cost of rehabilitation
  • The lender may charge fees as high as $1,500 based on the cost of rehabilitation
  • Licensed contractors must complete all rehabilitation work

Quick Links

First Mortgage Loans

Participating Lenders & Agencies

MassHousing Mortgage with Rehabilitation loans are originated by approved banks, credit unions, lenders and local rehabilitation agencies. View a list of participating

Interest Rates

For interest rates and loan terms, please contact a participating lender.

Mortgage Insurance

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

Request More Information

Still have questions about our products and services? Request more information.

 Mortgage with Rehab Documents
Community Page  Home Buyers (Income and Loan Limits)