Massachusetts Down Payment Assistance

Learn About Massachusetts Down Payment Assistance

The following mortgage down payment assistance programs were developed by the Massachusetts Department of Housing and Community Development (DHCD). See more information about local Massachusetts down payment assistance programs.

First Time Homebuyer Program (FTHB)

  • Provides Massachusetts down payment and closing cost assistance through participating communities and non-profit organizations

Soft Second Program

  • Public and private sectors join forces to assist first time homebuyers purchasing a home in their service area by providing Massachusetts down payment assistance
  • Maximum loan varies, but averages $5,800 per loan
  • Total Household Income cannot exceed 80% of the Area Median Income

Home Buyer’s Education

To qualify for down payment assistance in Massachusetts, buyers must complete an approved Homebuyer 101 course.