For Qualifying MA homebuyers

MassHousing Mortgage

MassHousing Mortgage is a program that provides affordable, fixed rate loans for homebuyers with no hidden fees or surprises. To qualify, homebuyers must earn less than $157,900 per year.

MassHousing Down Payment Assistance

Down Payment Assistance (DPA) of up to $15,000 is available in every city and town in Massachusetts and up to $25,000 is available in Boston and 26 select communities including Haverhill, Lynn, Peabody, and Salem.

MassHousing Purchase and Rehabilitation Loans

MassHousing Purchase and Rehabilitation Loans is a program that provides financing for both the purchase of a home and renovation costs.

MassHousing Workforce Advantage 2.0

MassHousing Workforce Advantage 2.0 offers an affordable, fixed-rate Mass Housing mortgage with down payment assistance of up to $25,000 for first-time homebuyers who earn up to 80% of the Area Median Income.

ONE Mortgage Program

ONE Mortgage Program provides low down payment, discounted 30-year fixed interest rate, no PMI mortgages. This service is provided by the Massachusetts Housing Partnership (MHP).

For Veterans and Active Duty Military Personnel

Operation Welcome Home

Operation Welcome Home is a program for active-duty military members, veterans, members of the Reserves or National Guard, or a Gold Star Family member that are first-time homebuyers. Eligible members may receive a closing cost credit of up to $2500.

US Veterans Administration Home Loan

US Veterans Administration Home Loan is a program to provide veterans with no-down payment loans, favorable loan terms, and rehabilitation assistance. There are no restrictions on location.

Veterans Special Housing Adaptations

The mission of VA’s Housing Adaptation programs is to adapt and/or modify a veteran’s/servicemember’s residence to accommodate their disability or disabilities. Adaptations and/or modifications are individually determined based on the medical feasibility for the veteran/servicemember to reside in their home; continuation with medical treatment and rehabilitation; and capability to live independently in a barrier-free environment. VBA’s SAH program may assist with the purchase of a home to accommodate a veteran’s/servicemember’s disability or disabilities.

VA Home Loans for Surviving Spouses Adaptations

For Native Americans

Indian Home Loan Guarantee Program (Section 184)

Indian Home Loan Guarantee Program (Section 184) is a program that provides mortgages to members of qualified Native American tribes.

For Qualifying Rural Area Homebuyers

US Dept. of Agriculture 502 Guaranteed

US Dept. of Agriculture 502 Guaranteed assists low- and very-low-income applicants to obtain decent, safe, and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.

Local Homebuyer Assistance Programs

You may also access these homebuyer assistance programs located across the North Shore of Massachusetts.


Amesbury Housing Rehabilitation Program: The Program provides deferred-payment loans of up to $35,000, as well as technical assistance, to rehabilitate residential building with 1 to 4 units.


Down Payment Assistance Program:  The assistance takes the form of a 0% interest loan of up to $5,000 with a five-year term secured by a note and a mortgage.


Harborlight Homes Affordable Housing: Harborlight is the administrator of 51 first-time homebuyer condominiums located in four locations in Gloucester.

Gloucester First Time Home Buyers Program: Program offers down payment or closing cost assistance to income qualified buyers.

Gloucester Housing Rehabilitation Program: Program offers deferred and low interest rehabilitation loans.


Haverhill First Time Homebuyer Down Payment Assistance: Provides up to $7,500 for down payment and/or closing costs for eligible applicants.


Ipswich Housing Partnership: Potentially forgivable loans from the Ipswich Housing Partnership that may be used for down payment assistance, legal costs, repairs, and/or closing cost assistance.


Lawrence First Time Homebuyer Assistance Program: Program that provides financial assistance to low- and moderate-income households in the purchase of their first home.

Lawrence Rehabilitation/Deleading Program: Program offers grants and loans for housing rehabilitation.


Down Payment & Closing Cost Assistance: Up to a $10,000 deferred loan at 0% interest for income eligible first-time homebuyers purchasing in Lynn.

Lynn Rehab Loan Program: Program provides owner-occupants with financial assistance to rehabilitate their properties.

Lynn Lead Abatement Program (LLAP): Program that provides lead paint abatement for low- and moderate-income individuals.


Newburyport Housing Rehabilitation: Provides technical and financial assistance with housing repairs to income-qualified households.

Downpayment Assistance Program: Program offers up 10% of the purchase price up to $15,000 for each eligible buyer to put towards down payment and/or closing costs for the purchase of deed-restricted affordable units.


Salem First-Time Homebuyer Downpayment Assistance Loan Program: Loan program to assist low- and moderate-income households to achieve homeownership.

Salem Housing Rehabilitation Loan Program: Provides assistance for moderate rehabilitation projects.

Get the Lead Out Program:  Program to undertake lead paint abatement in pre-1978 homes with a lead poisoned child aged 6 or under.


Wenham Affordable Housing Lottery: An opportunity for qualified first-time homebuyers to acquire available affordable housing stock in the community of Wenham.