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Massachusetts Down Payment Assistance (DPA Option 1)

MassHousing offers Down Payment Assistance (DPA Option 1) to first-time buyers in Massachusetts: up to $30,000, as a deferred loan.

Amount
As much as $30,000 in help
Type of support
Loan you repay later
Only buyers purchasing a first home
Yes
Buyer education class
Required

A 0% loan with repayment put off. The full balance comes due if you sell, refinance or finish paying your primary mortgage.

You make no monthly payment on a deferred loan. The entire sum must be paid when you sell, refinance or clear the first home loan.

Who can get Massachusetts Down Payment Assistance (DPA Option 1)?

  • The limit for what you earn is 60% of AMI (area median income).
  • You must be buying your first home, which usually means none owned in the last three years.
  • You also need to finish a homebuyer education course before purchasing.
  • This help is paired with a MassHousing Mortgage loan.

County and household size set most limits. Use our HUD income limits lookup to find the median income where you live and see how your household compares.

Applying for Massachusetts Down Payment Assistance (DPA Option 1)

  1. Because MassHousing sends the money through approved lenders, you apply with one while arranging your mortgage.
  2. That lender reviews your income, credit and property under program rules, then reserves the money on your behalf.
  3. At closing, the funds go to your down payment and the costs of closing.

MassHousing's page for Down Payment Assistance (DPA Option 1) has the complete rules and says if applications are open. The agency's list of participating lenders helps you pick one.

Questions about Massachusetts Down Payment Assistance (DPA Option 1)? Ask a lender

Tell us where you're buying and a lender that works with Massachusetts's programs can tell you whether Massachusetts Down Payment Assistance (DPA Option 1) fits you, and what you could combine with it.

Call 866-602-7460

Prefer not to phone? Share your information and the lender will get in touch.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

More programs for first home buyers in Massachusetts

Every Massachusetts first home buyer program · Down payment help in every state