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Down Payment Assistance: Better Than Ever!

MassHousing has expanded its Down Payment Assistance program to help more first-time homebuyers in Massachusetts! Learn more...

MassHousing Mortgage

More purchasing power for Massachusetts homebuyers

Are you looking to buy a home in Massachusetts? MassHousing's simple, straightforward mortgage loans have helped more than 70,000 people 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

Down payment assistance is now available for more Massachusetts homebuyers and and may be used for single-family homes and condominiums, as well as 2-, 3- and 4-family homes:

  • Qualifying borrowers can receive Down Payment Assistance of up to 5% of the purchase price or $15,000, whichever is less
  • MassHousing also offers a number of low down payment options

Learn more about Down Payment Assistance from MassHousing!

Mortgage Insurance (MI) Options

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

Repairs and Rehabilitation Financing

Buying a home in need of repair? A MassHousing Mortgage may be used to finance the purchase and rehabilitation of a home! Learn about a Purchase & Renovation loan.

Considering an FHA Loan?

MassHousing now offers FHA-insured loans, meaning eligible first-time homebuyers can still benefit from our Down Payment Assistance Program. to learn more.

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
Web Link  MassHousing Income Limits
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.