Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Massachusetts program

MassHousing Homebuyer Loans

Massachusetts route through MassHousing. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Multiple assistance options Multiple repayment paths 2026-04-22
Agency MassHousing
Support type Multiple assistance options
Amount highlight MassHousing still publishes statewide down payment assistance up to $30,000 when paired with a MassHousing Mortgage. As of 2026-04-22, the consumer page still shows one deferred 0% second-mortgage option up to $30,000 plus two 15-year amortizing second-mortgage options up to $25,000 at 2% or 3%, while an official announcement says new locks dated 2026-04-27 through 2026-07-31 will temporarily use a fixed $25,000 deferred 0% option instead of the two amortizing $25,000 products.
Last verified 2026-04-22

Open questions

April 27 temporary DPA change is now live guidance

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

MassHousing still supports a public detail page, but the DPA menu is no longer safe to present as a timeless three-option steady state. Public copy should keep the statewide mortgage backbone and note that new locks dated 2026-04-27 through 2026-07-31 temporarily use a fixed $25,000 deferred 0% option in place of the two amortizing $25,000 products.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Massachusetts program hub if you need the wider state context.

Amount

MassHousing still publishes statewide down payment assistance up to $30,000 when paired with a MassHousing Mortgage. As of 2026-04-22, the consumer page still shows one deferred 0% second-mortgage option up to $30,000 plus two 15-year amortizing second-mortgage options up to $25,000 at 2% or 3%, while an official announcement says new locks dated 2026-04-27 through 2026-07-31 will temporarily use a fixed $25,000 deferred 0% option instead of the two amortizing $25,000 products.

Type

Multiple assistance options

Statewide mortgage with paired down payment options

Repayment

MassHousing describes the first mortgage as a fixed-rate loan. The paired down payment assistance currently includes a deferred 0% second mortgage due when the home is sold, the first mortgage is refinanced, or the first mortgage is paid off, and consumer materials still show two 15-year amortizing second-mortgage options at 2% and 3%. But official MassHousing guidance says that for new locks dated 2026-04-27 through 2026-07-31, the two amortizing $25,000 options will be temporarily replaced by a fixed $25,000 deferred 0% option, with the amortizing products scheduled to reactivate on 2026-08-03.

First-time buyer

Unknown

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Massachusetts homebuyers using a MassHousing Mortgage, Income-eligible first-time homebuyers seeking paired down payment assistance, Buyers purchasing a single-family home, condominium, or 2- to 4-family property as a primary residence, Borrowers working with a MassHousing partner lender

What support do you get?

MassHousing still publishes statewide down payment assistance up to $30,000 when paired with a MassHousing Mortgage. As of 2026-04-22, the consumer page still shows one deferred 0% second-mortgage option up to $30,000 plus two 15-year amortizing second-mortgage options up to $25,000 at 2% or 3%, while an official announcement says new locks dated 2026-04-27 through 2026-07-31 will temporarily use a fixed $25,000 deferred 0% option instead of the two amortizing $25,000 products.

Do you repay it?

MassHousing describes the first mortgage as a fixed-rate loan. The paired down payment assistance currently includes a deferred 0% second mortgage due when the home is sold, the first mortgage is refinanced, or the first mortgage is paid off, and consumer materials still show two 15-year amortizing second-mortgage options at 2% and 3%. But official MassHousing guidance says that for new locks dated 2026-04-27 through 2026-07-31, the two amortizing $25,000 options will be temporarily replaced by a fixed $25,000 deferred 0% option, with the amortizing products scheduled to reactivate on 2026-08-03.

How do you apply?

Contact a MassHousing partner lender, apply for an affordable MassHousing Mortgage, complete MassHousing-approved homebuyer education, and if eligible pair that first mortgage with the current MassHousing down payment assistance option available for the lock date.

Application timing

MassHousing's expanded down payment assistance option applies to new first-mortgage locks dated April 27, 2026 through July 31, 2026. Lenders that withdraw a current lock must wait 10 calendar days before resubmitting a new lock for current rates and pricing.

Official source evidence

MassHousing's consumer pages still say the agency offers statewide fixed-rate mortgage loans and down payment assistance up to $30,000 when paired with a MassHousing mortgage, while a March 27, 2026 MassHousing memo says new locks dated 2026-04-27 through 2026-07-31 will temporarily use a fixed $25,000 deferred 0% option instead of the two $25,000 amortizing options.

View official source

Last verified

2026-04-22

Consumer pages verified 2026-04-22; temporary DPA change announced for new locks dated 2026-04-27 through 2026-07-31

Paid preview

What paid access adds for MassHousing Homebuyer Loans

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

MassHousing Homebuyer Loans

Amount: MassHousing still publishes statewide down payment assistance up to $30,000 when paired with a MassHousing Mortgage. As of 2026-04-22, the consumer page still shows one deferred 0% second-mortgage option up to $30,000 plus two 15-year amortizing second-mortgage options up to $25,000 at 2% or 3%, while an official announcement says new locks dated 2026-04-27 through 2026-07-31 will temporarily use a fixed $25,000 deferred 0% option instead of the two amortizing $25,000 products.

Repayment: MassHousing describes the first mortgage as a fixed-rate loan. The paired down payment assistance currently includes a deferred 0% second mortgage due when the home is sold, the first mortgage is refinanced, or the first mortgage is paid off, and consumer materials still show two 15-year amortizing second-mortgage options at 2% and 3%. But official MassHousing guidance says that for new locks dated 2026-04-27 through 2026-07-31, the two amortizing $25,000 options will be temporarily replaced by a fixed $25,000 deferred 0% option, with the amortizing products scheduled to reactivate on 2026-08-03.

First-time buyer: Unknown

Timing: MassHousing's expanded down payment assistance option applies to new first-mortgage locks dated April 27, 2026 through July 31, 2026. Lenders that withdraw a current lock must wait 10 calendar days before resubmitting a new lock for current rates and pricing.

Risk checks preview

What gets flagged before you call a lender

  • MassHousing Homebuyer Loans can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which events trigger repayment for MassHousing Homebuyer Loans: refinance?
  • Which document version should control MassHousing Homebuyer Loans right now: program guide, fact sheet, or lender packet?

Action checklist preview

What you would do next

  • Review the official Homebuyer loans page for MassHousing Homebuyer Loans
  • Carry the lender question kit for MassHousing Homebuyer Loans
Open the full Massachusetts board

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.

Open the full Massachusetts board

Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

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

Save and compare

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.

Full state board

See what this should be compared against

5 tracked deeper leads sit behind the full Massachusetts board around this program.

Open the full Massachusetts board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer