MassHousing Mortgage with Down Payment Assistance

MassHousing, Massachusetts Housing Finance Agency

Available Home Repair

About This Program

MassHousing Mortgage with Down Payment Assistance is available to homeowners in Boston, MA.

MassHousing offers below-market-rate mortgages with down payment assistance of up to $30,000 for first-time and repeat buyers meeting income limits. The program does not require private mortgage insurance (PMI) for loans with low down payments. Income limits vary by city, Boston limits can reach $153,900 depending on household size. A homebuyer education course is required.

DPA up to $30,000; no PMI on qualifying loans. Income limits vary by location and household size (up to $153,900 in Boston area). Homebuyer education required.

Verified against MassHousing, Massachusetts Housing Finance Agency's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Boston, MA, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $30,000 in down payment assistance with a MassHousing mortgage
  • No private mortgage insurance (PMI) on qualifying loans
  • Income limits up to ~$153,900 depending on household size and location
  • Available to first-time and repeat buyers who meet income requirements
  • Contact MassHousing at 617-854-1000 or masshousing.com/homebuyers

How to Apply

Get free help applying Visit Official Program Page Track this program

617-854-1000

A grant-savvy contractor in Boston, MA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Boston early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, through participating lenders statewide

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can MassHousing Mortgage with Down Payment Assistance provide in Boston, MA?

Up to $30,000 in down payment assistance.

Who qualifies for MassHousing Mortgage with Down Payment Assistance in Boston?

MassHousing Mortgage with Down Payment Assistance is open to homeowners in Boston, MA.

How do I apply for MassHousing Mortgage with Down Payment Assistance in Boston, MA?

Apply directly with MassHousing, Massachusetts Housing Finance Agency using the official program link on this page or call 617-854-1000. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Boston, MA contractors

Find More Programs in Boston, MA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs