Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Massachusetts program

Boston First-Time Homebuyer Program

Massachusetts route through City of Boston Mayor's Office of Housing, Boston Home Center. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Grant Check official rules 2026-04-19
Agency City of Boston Mayor's Office of Housing, Boston Home Center
Support type Grant
Amount highlight For buyers with household income less than 100% of AMI, the grant is 3% of the purchase price up to $50,000, plus closing costs if applicable. For buyers with household income between 101% and 135% of AMI, the grant is 2% of the purchase price up to $35,000. If the qualified buyer is purchasing a deed-restricted property, the grant amount is 2% of the purchase price.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Massachusetts program hub

Amount

For buyers with household income less than 100% of AMI, the grant is 3% of the purchase price up to $50,000, plus closing costs if applicable. For buyers with household income between 101% and 135% of AMI, the grant is 2% of the purchase price up to $35,000. If the qualified buyer is purchasing a deed-restricted property, the grant amount is 2% of the purchase price.

Type

Grant

Repayment

The official Boston.gov page describes the assistance as a grant toward a down payment and does not state a repayment obligation on the cited program page.

First-time buyer

Required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Income-eligible Boston first-time homebuyers

What support do you get?

For buyers with household income less than 100% of AMI, the grant is 3% of the purchase price up to $50,000, plus closing costs if applicable. For buyers with household income between 101% and 135% of AMI, the grant is 2% of the purchase price up to $35,000. If the qualified buyer is purchasing a deed-restricted property, the grant amount is 2% of the purchase price.

Do you repay it?

The official Boston.gov page describes the assistance as a grant toward a down payment and does not state a repayment obligation on the cited program page.

How do you apply?

Review the program application and checklist, complete the Boston Home Center Homebuying 101 course, obtain a first-mortgage pre-approval from one of the City's participating mortgage lenders, then register in the Boston Home Center portal and submit the First-Time Homebuyer Financial Assistance Application with supporting documents.

Official source evidence

Official Boston.gov text states that this program provides eligible home buyers with a grant toward a down payment and offers up to $50,000 or $35,000 depending on the buyer's AMI tier.

View official source

Last verified

2026-04-19

2026-01-23

Paid preview

What paid access adds for Boston First-Time Homebuyer Program

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Boston First-Time Homebuyer Program

Amount: For buyers with household income less than 100% of AMI, the grant is 3% of the purchase price up to $50,000, plus closing costs if applicable. For buyers with household income between 101% and 135% of AMI, the grant is 2% of the purchase price up to $35,000. If the qualified buyer is purchasing a deed-restricted property, the grant amount is 2% of the purchase price.

Repayment: The official Boston.gov page describes the assistance as a grant toward a down payment and does not state a repayment obligation on the cited program page.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Boston First-Time Homebuyer Program requires a participating lender.
  • Boston First-Time Homebuyer Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Does Boston First-Time Homebuyer Program require a participating lender for this household and loan setup?
  • Which first-mortgage product must be paired with Boston First-Time Homebuyer Program, and can it be combined with the saved options?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply.
  • Confirm whether Boston First-Time Homebuyer Program requires a participating lender.
Unlock comparison and lender prep for Massachusetts

Paid research preview

What paid research already covers in Massachusetts

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Massachusetts.

5 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

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 programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

See deeper Massachusetts leads

Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

Save for comparison

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Decision output

Comparison, risk checks, and lender prep

Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.

Open shortlist See deeper state leads