Massachusetts Homeowner Grants

Massachusetts ONE Mortgage Program

Massachusetts Housing Partnership

Low-interest mortgages for first-time homebuyers

Up to $650K

Massachusetts Senior Circuit Breaker Tax Credit

Massachusetts Department of Revenue

Refundable tax credit for seniors with high property tax burden

Down Payment Assistance (DPA)

MA Housing Authority

Overview:MassHousing provides down payment assistance in three flexible formats, offering 10% of the purchase price up to $30,000-$50,000 depending on location.

MassHousing Mortgage Loans

MA Housing Authority

Overview:Affordable 30-year fixed-rate mortgages with competitive rates, flexible credit requirements, and unique job loss protection.

Accessory Dwelling Unit (ADU) Construction Loan

MA Housing Authority

Overview:Announced January 2026, this new program helps low- and moderate-income homeowners add an accessory dwelling unit (in-law apartment, garage conversion, etc.) to their existing home.

Up to $250K

MassHousing Home Improvement Loan

MA Housing Authority

Overview:Existing MassHousing mortgage holders can access additional financing for home repairs, improvements, and energy efficiency upgrades.

Massachusetts Property Tax Exemptions

local cities and towns

Overview:Massachusetts offers several property tax exemptions and abatements administered by local cities and towns.

Up to $1K

MassSave Energy Efficiency Programs

MA Housing Authority

Overview:Statewide program offering rebates, incentives, and no-cost energy assessments to help homeowners reduce energy costs.

Up to $25K

National Programs Available in Massachusetts (53)

USDA Section 502 Direct Home Loans

USDA Rural Development

Zero down payment, subsidized interest rate mortgages for low and very low-income rural homebuyers unable to obtain conventional financing.

VA Specially Adapted Housing (SAH) Grant

U.S. Department of Veterans Affairs

Grant up to $130,780 (FY 2026) for severely disabled veterans to build, buy, or modify a home to accommodate their disabilities.

Up to $131K

Weatherization Assistance Program (WAP)

U.S. Department of Energy

Federal and state-funded program providing free energy efficiency improvements to low-income homeowners, reducing utility bills and improving home comfort and safety.

USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair homes in rural areas.

FHA Title II Home Equity Conversion Mortgage for Purchase

Federal Housing Administration

Reverse mortgage for seniors purchasing a new primary residence

HUD Homeownership Voucher Program

U.S. Department of Housing and Urban Development

Monthly homeownership assistance for low-income families

USDA Rural Housing Site Loan Program

U.S. Department of Agriculture

Loans to develop building sites for low-income families in rural areas

Up to $500K

VA Vendee Loan Program

U.S. Department of Veterans Affairs

VA financing for purchasing VA foreclosed properties

HUD Good Neighbor Next Door - Law Enforcement

U.S. Department of Housing and Urban Development

Half-price homes for law enforcement officers in revitalization areas

Up to $200K

HUD Good Neighbor Next Door - Teachers

U.S. Department of Housing and Urban Development

Half-price homes for K-12 teachers in revitalization areas

Up to $200K

Fannie Mae HomeReady Mortgage

Fannie Mae

Low down payment mortgage for low to moderate-income borrowers

Freddie Mac Home Possible Mortgage

Freddie Mac

Low down payment options for low to moderate-income families

USDA Rural Repair and Rehabilitation Grants

U.S. Department of Agriculture

Grants for very low-income seniors to remove health and safety hazards

Mortgage Credit Certificate Programs (Local)

Various State and Local Housing Authorities

Federal tax credit on mortgage interest through local programs

FHA Condominium Loan Program

Federal Housing Administration

Mortgage insurance for purchasing condominiums

Up to $800K

FHA Rehabilitation Mortgage Insurance (203(h))

Federal Housing Administration

Mortgage insurance for disaster victims to rebuild/purchase

Up to $500K

HUD Section 251 Adjustable Rate Mortgages

Federal Housing Administration

Insured adjustable rate mortgages with caps

Up to $800K

VA Loan Assumption

U.S. Department of Veterans Affairs

Allows qualified buyers to assume existing VA loan

USDA Rural Energy for America Program (REAP)

U.S. Department of Agriculture

Grants and loans for renewable energy systems in rural areas

Up to $20K

FHA Growing Equity Mortgage (GEM)

Federal Housing Administration

Mortgage with increasing payments to build equity faster

HUD Community Development Block Grant (CDBG) Homeownership Assistance

U.S. Department of Housing and Urban Development

Local programs using CDBG funds for homeownership

Up to $25K

Section 8 Homeownership Vouchers

U.S. Department of Housing and Urban Development

Use Section 8 voucher toward mortgage payments

HOPE for Homeowners

Federal Housing Administration

Mortgage refinance for underwater homeowners

Up to $500K

FHA Graduated Payment Mortgage

Federal Housing Administration

Lower initial payments that increase over time

Up to $700K

VA Cash-Out Refinance

U.S. Department of Veterans Affairs

Refinance to access home equity for improvements

HUD Section 184 Indian Home Loan Guarantee

U.S. Department of Housing and Urban Development

Mortgage guarantee for Native American homebuyers on trust land

USDA Section 523 Mutual Self-Help Housing

U.S. Department of Agriculture

Technical assistance grants for self-help housing programs in rural areas

FHA Title I Property Improvement Loan

Federal Housing Administration

Insured loans for home improvements and repairs

Up to $25K

VA Home Improvement and Structural Alterations (HISA) Grant

U.S. Department of Veterans Affairs

Grants for disabled veterans to make home modifications

Up to $7K

Federal Solar Investment Tax Credit (ITC)

Internal Revenue Service

Tax credit for residential solar energy system installation

Up to $100K

DOE Weatherization Assistance Program

U.S. Department of Energy

Free weatherization services for low-income homeowners

HUD Good Neighbor Next Door - Firefighter/EMT

U.S. Department of Housing and Urban Development

50% discount on HUD homes for firefighters and EMTs

Up to $150K

Fannie Mae HomePath Ready Buyer

Fannie Mae

Up to 3% closing cost assistance for Fannie Mae-owned homes

Up to $10K

Native American Direct Loan (NADL) Program

U.S. Department of Veterans Affairs

VA direct home loans for Native American veterans on trust land

Up to $417K

FHA 203(b) Mortgage Insurance

Federal Housing Administration

Mortgage insurance for home purchase with low down payment

Residential Renewable Energy Tax Credit

Internal Revenue Service

Federal tax credit for solar, wind, geothermal systems

FHA Energy Efficient Mortgage (EEM)

Federal Housing Administration

Helps homebuyers and homeowners finance energy efficiency improvements as part of their FHA-insured mortgage.

Good Neighbor Next Door (GNND)

U.S. Department of Housing and Urban Development

Provides 50% discount on HUD-owned homes for law enforcement officers, teachers, firefighters, and emergency medical technicians.

Up to $150K