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The City of Brockton offers down payment assistance to eligible first-time homebuyers purchasing a single or two-family home in within city limits.

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FHA.com is a privately owned website, is not a government agency, and does not make loans.

City of Brockton First Time Homebuyer Program

The City of Brockton in partnership with Brockton Redevelopment Authority (BRA) and NeighborWorks Housing Solutions (NHS) is offering down payment assistance to eligible first-time homebuyers purchasing a single or two-family home (no condo’s) in the City of Brockton. The First Time Homebuyer Program (FTHP) program is funded by the U.S Department of Housing & Urban Development (HUD) HOME Investment Partnership 

Available Assistance 
The FTHP offers a maximum of $15,000 financial assistance though a zero-interest deferred loan, repayable in the event of property transfer of ownership or loan refinancing (except for rate and term of the loan). The approval for funding is based on the amount of assistance needed at the mortgage closing. The funds are subject to availability. 

Eligibility Requirements 
Income eligible first-time homebuyers will be considered for a 0% interest-deferred payment loan equal to 3.5% of the purchase price (up to $12,000) through the BRA secured by a Mortgage and Promissory note. In addition, NHS may provide additional funds up to 25% of the amount provided by the City (up to $3,000). 


*Seller-funded down payment programs were eliminated in the Housing and Economic Recovery Act of 2008, but states and local government agencies are still permitted to help borrowers finance their homes with second mortgages and grants. These agencies set different requirements that a borrower needs to meet in order to qualify for the grant programs, such as property location, and purchase price, and income limits.       


Note: All figures mentioned above were accurate at the time of publication and may no longer be current. Visit the program website for updated information.     

First-Time Home Buyer Programs in Massachusetts

With the One Mortgage Program, the Massachusetts Housing Partnership gives first-time homebuyers the chance to purchase their home with low-interest financing.

MassHousing has expanded its Down Payment Assistance Program to help first-time homebuyers in Massachusetts. It offers assistance funds to help cover the upfront costs of buying a home.

The City of Brockton offers down payment assistance to eligible first-time homebuyers purchasing a single or two-family home in within city limits.

The City of Lowell offers income-eligible first-time homebuyers down payment assistance in order to help them achieve their dreams of owning a home

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First-time homebuyer assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.

FHA.com's compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

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