Massachusetts program
Massachusetts route through City of Boston Mayor's Office of Housing, Boston Home Center, and Housing Innovation Lab. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
Quick answer from published facts. Go to Massachusetts program hub
Eligible households earning up to 100% of AMI may receive up to $50,000. Eligible households earning up to 135% of AMI may receive up to $35,000.
0% deferred second mortgage
The official Boston.gov page states the pilot provides zero-percent interest deferred loans that are payable upon sale, transfer, or refinance.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyer households co-purchasing a Boston two- or three-family home
Eligible households earning up to 100% of AMI may receive up to $50,000. Eligible households earning up to 135% of AMI may receive up to $35,000.
The official Boston.gov page states the pilot provides zero-percent interest deferred loans that are payable upon sale, transfer, or refinance.
Complete CHAPA-approved First Time Homebuyer courses (HB 101 and 201), confirm the household meets the contribution, asset, occupancy, and property rules, work with one of the City's approved lenders, and begin through the Co-Purchasing Survey or the guide-and-guidelines pathway referenced on the Boston.gov page. The official page does not publish a separate city-hosted application portal.
Official Boston.gov text states that the pilot provides zero-percent interest deferred loans payable upon sale, transfer, or refinance, with up to $50,000 or $35,000 depending on AMI tier.
2026-04-19
2026-03-25
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Comparison preview
Amount: Eligible households earning up to 100% of AMI may receive up to $50,000. Eligible households earning up to 135% of AMI may receive up to $35,000.
Repayment: The official Boston.gov page states the pilot provides zero-percent interest deferred loans that are payable upon sale, transfer, or refinance.
First-time buyer: Required
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Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Massachusetts.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
3 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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