03/03/2026
🏡 Thinking About Buying a Home in Massachusetts? READ THIS 👇
A lot of people don’t realize there are REAL home-buying programs in Massachusetts that can help with down payments, lower interest rates, and even closing costs. If saving 20% feels impossible — this is for you.
Here are some legit programs worth looking into:
✨ ONE Mortgage Program (through Massachusetts Housing Partnership)
• Only 3% down
• NO private mortgage insurance (PMI)
• Lower fixed rates
• Designed for first-time buyers
✨ MassHousing Mortgage + Down Payment Assistance
• Up to $30,000 (or more in some cases) for down payment help
• 0% deferred second mortgage options available
• Can be combined with approved lenders statewide
✨ ONE+ Program
• Extra help on top of ONE Mortgage
• Additional down payment & closing cost assistance
• Available in select cities like Boston, Worcester, Springfield & more
✨ Operation Welcome Home
• Special program for veterans, active military, National Guard & Gold Star families
• Down payment & closing cost assistance
🏙️ PLUS — Many cities like Boston, Worcester, Springfield, Lowell, Lynn & others have their own local grants and first-time buyer programs that can stack with state programs.
Most programs require:
✔ First-time buyer status (haven’t owned in 3 years)
✔ Income limits (many middle-income buyers qualify!)
✔ A homebuyer education class
Bottom line: You might not need 20% down. You might not even need 10%.
If buying a home in Massachusetts is on your vision board for 2026, it’s worth researching these programs or talking to a lender who works with them.
Feel free to message me if you want help finding the right direction 👀🏡