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MassHousing offers a number of loan programs for first-time home buyers and existing home owners. To learn more about our first and subordinate mortgages, click the links below.

** MassHousing Down Payment Assistance **

New from MassHousing, First-Time borrowers making ≤100% AMI may be eligible to include down payment assistance on their MassHousing Mortgage or MassHousing Mortgage FHA loans. Repayable upon sale or refinance of the subject property, this 1% fixed rate loan has a 15 year term and may be for up to 3% of the sale price or $12,000 whichever is less.

Subordinate Mortgages

MassHousing's programs aren't just for first-time home buyers. These three programs are designed to help existing home owners improve and maintain their properties:

Mortgage Insurance Fund (MIF)

MassHousing’s Mortgage Insurance Fund continues to innovate mortgage insurance with new products and benefits borrowers and lenders both: