Ready to buy a home in Massachusetts? Let’s get started!

Welcome to MassHousing! We help first-time homebuyers in Massachusetts achieve the dream of homeownership by offering affordable mortgage loans, down payment assistance and mortgage payment protection benefits to help pay your loan if you lose your job.

More than 70,000 Massachusetts residents have used an affordable MassHousing Mortgage to buy a home. You can do it, too!

Ready to buy a home in Massachusetts? Let’s get started!

Welcome to MassHousing! We help first-time homebuyers in Massachusetts achieve the dream of homeownership by offering affordable mortgage loans, down payment assistance and mortgage payment protection benefits to help pay your loan if you lose your job.

More than 70,000 Massachusetts residents have used an affordable MassHousing Mortgage to buy a home. You can do it, too!

Who is eligible for a MassHousing Mortgage?

MassHousing loans help low- and moderate-income households buy a home in Massachusetts.

  • Borrowers must meet income limits, which vary by location and loan program. 
  • Many of our programs are for first-time homebuyers, but we have several programs if you’ve previously owned a home. 
  • Credit, income and other eligibility requirements also apply.

To see if you might be eligible for a MassHousing Mortgage, search our income limits or contact a participating lender and ask them for a MassHousing Mortgage. 

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How to get a MassHousing Mortgage

MassHousing is not like other lenders. Here’s what you need to know:

  1. MassHousing works with more than 100 lending partners to make our loans available across Massachusetts.
  2. You choose an approved lender and ask for a MassHousing Mortgage.
  3. The lender determines your eligibility for a MassHousing Mortgage and down payment assistance.
  4. If you are eligible, you work with the lender during the homebuying process, through loan closing.
  5. After closing, MassHousing purchases your loan from the lender and you make your monthly mortgage payments to MassHousing.
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Affordable Mortgages and Down Payment Assistance

Down Payment Assistance from MassHousing

Down payment assistance is only available on MassHousing's affordable mortgage loans.

Job-Loss Protection Benefits with MI Plus

MI Plus logo

MassHousing mortgage insurance with MI Plus can help pay your loan if you lose your job.

Learn about the Homebuying Process

Learn about Homebuying

We've assembled videos, podcasts, articles and more to help you prepare to buy a home.

We can help you move toward a MassHousing loan

Thinking of buying a home in Massachusetts? Let us help. When you provide your information below, we’ll help you identify our lending partners who can assist you with obtaining a MassHousing loan. We can also answer questions and send you our homebuying tips.

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