MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers)

Massachusetts Housing Partnership (MHP) / City of Boston

Available Home Repair

About This Program

MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) is available to homeowners in Boston, MA.

ONE+Boston combines the Commonwealth's most affordable first-time homebuyer mortgage (ONE Mortgage) with City of Boston down payment and closing cost assistance. The program requires only 3% down (1.5% from savings), no private mortgage insurance, and offers the lowest available fixed rates. Applicants must have under $75,000 in household assets and complete a homebuyer education class. Income limits apply and vary by household size.

3% down payment (1.5% from own funds); no PMI; low fixed rate. City provides additional DPA. Household assets must be under $75,000. Income limits vary; credit score minimum 640.

Official program page checked live on 2026-06-22.

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

  • Boston's most affordable first-time homebuyer mortgage, 3% down, no PMI
  • City of Boston adds down payment and closing cost assistance
  • Household assets must be under $75,000 (excluding most retirement accounts)
  • Must complete an approved homebuyer education class before applying
  • Contact Boston Home Center at 617-635-4663 or visit boston.gov/firsttimehomebuyer

How to Apply

Get free help applying Visit Official Program Page Track this program

617-635-4663

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, contact participating lenders

Questions about this program?

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

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Frequently asked questions

Who qualifies for MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) in Boston?

MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) is open to homeowners in Boston, MA.

How do I apply for MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) in Boston, MA?

Apply directly with Massachusetts Housing Partnership (MHP) / City of Boston using the official program link on this page or call 617-635-4663. There is no middleman and no fee.

Need a Contractor for This Grant?

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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.

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