Your real Massachusetts affordability, the MassHousing Down Payment Assistance match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Massachusetts number — free →The MassHousing Down Payment Assistance is Massachusetts's flagship statewide down payment assistance, administered by the state housing finance agency (0% deferred second mortgage). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Massachusetts often add their own programs on top.
Official Massachusetts program page →Massachusetts's main statewide option is the MassHousing Down Payment Assistance — 0% deferred second mortgage administered by the state housing finance agency. Many cities and counties in Massachusetts add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Massachusetts assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official MassHousing Down Payment Assistance page before applying.