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First-Time Home Buyer Programs


Welcome to the neighborhood.

Buying your first place? We’ve got you. With helpful programs and personal support, we’ll make the process less “what now” and more “wow.”

First-Time Homebuyer Grant Programs and Loan & Down Payment Assistance Programs

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Lift Up & Equity Builder Programs (EBP)

Help from start to finish.

First-time homebuyer grant funds for down payment and closing cost assistance.

  • For first-time buyers of owner-occupied 1–4 family homes
  • Income guidelines apply & documentation required
  • Reviewed through standard underwriting
  • Homebuyer education from an approved provider is part of the process
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Mass Housing Finance Agency (MHFA)

A statewide path to first-time homeownership

MassHousing first-time homebuyer mortgage loans and down payment assistance can help make buying your first home more attainable across Massachusetts. 

  • May be used to purchase a home in any city or town in the state
  • Learn with confidence through access to certified homebuyer education providers
  • Low- and no-down payment options for eligible buyers
  • Added protection with MassHousing Mortgage Insurance and MI Plus
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Mass Housing Partnership (MHP)

ONE Mortgage Program

The ONE Mortgage Program is designed to help first-time homebuyers purchase a home with a home loan that’s built to be affordable and sustainable.

  • As little as 3% down
  • Low, fixed interest rate
  • No private mortgage insurance (PMI)
  • Financial assistance for eligible buyers
  • Required homebuyer education to support long-term success

Proud Partner of MassHousing

The Five Steps to Buying your Home.

Learn about the whole process. We’re here to help make it happen.

1

Pre-Qualify for a Loan

  • Research the best loans
  • Determine your budget range
  • Meet your mortgage lender
2

Locate a Good Agent

  • Find someone you can trust
  • Ask around for recommendations
  • Chemistry also counts
3

Gain Loan Pre-Approval

  • This gives you confidence
  • You’ll have a spending range
  • Less worry, easier shopping
4

Look for Your Perfect Property

  • Decide locations, needs, must-haves
  • Search online
  • Attend open houses
  • Work with your agent
5

Time to Buy

Now you move into escrow – money held by a third party

  • Present your loan forms
  • Get home inspected by a reputable firm
  • Receive final loan approval
  • Three days before closing, a notary approves it all
  • Grab your keys. The house in now your home

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