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MAdeferred loanactive
MassHousing Down Payment Assistance
MassHousing
Up to $30,000 DPA (Boston/Gateway cities) or 10% (rest of state)
Overview
Up to $30K DPA in Boston/Gateway cities — among the highest DPA amounts in the country.
Detailed requirements
Up to $30K in Boston + 26 Gateway Cities; up to 10% of purchase price elsewhere. Deferred 2nd, 0% interest, 15-year term.
Eligibility at a glance
- First-time buyer required
- Yes
- Min credit score
- 640
- Owner-occupied required
- Yes
- Homebuyer education required
- Yes
Ready to apply?
A free grant specialist walks you through eligibility and the official application in one short call.
Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.