The down payment assistance programs that are listed here are a sample of what is available for homebuyers in Massachusetts. This can be your starting point as you search for the right program for your family. Home Purchase and Refinance Loans

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City of Worcester Down Payment Program

Financial Assistance for Homebuyers in Massachusetts

The City of Worcester's Down Payment Assistance Program provides income-qualified first-time homebuyers with down payment and closing cost assistance.  

Available Assistance 
Low- to moderate-income applicants can receive up to $5000 in down payment and closing cost assistance with the Worcester’s Down Payment Assistance program, federally funded program through HUD Community Development Block Grant funding. 

Eligibility Requirements 
To be considered eligible for the Down Payment Program, applicants must be first-time homebuyers. This is an individual who has not owned a home in the three years prior to purchasing with assistance funds. All applicants must have a household income at or under 80% of City of Worcester’s Area Median Income. Additionally, they must attend and complete a HUD-certified a Massachusetts Homeownership accredited housing education workshop to qualify for assistance funds.  

Property Guidelines 
Homes must have been vacant or owner-occupied (by the seller’s household only) for the entire three-month period prior to the date of the purchase offer, and must continue to be vacant or owner-occupied through close of escrow. Eligible property types include new or resale single, two, three and four-family homes, town homes, or condominiums. If the borrower purchases a new construction, the foundation must have been poured prior to seller’s receipt of the buyer’s purchase offer. The purchase price should not exceed 95% of the median area purchase price for single family housing.  

All properties purchased with program funds must be in compliance with State and local building, zoning, and health and safety codes and ordinances. If the property is situated within a 100-year flood zone, the buyer will be required to buy flood insurance. 

Income Limits 
1-person household: $54,950 
2-person household: $62,800 
3-person household: $70,650 
4-person household: $78,500 
5-person household: $84,800 
6-person household: $91,100 
7-person household: $97,350 
8-person household: $103,650

*Seller-funded down payment programs were eliminated in the Housing and Economic Recovery Act of 2008, but State 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. 

Down payment assistance programs and/or grants were researched by the team at 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.'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.

Down Payment Grants in Massachusetts

The City of Springfield Office of Housing helps income-eligible homebuyers overcome the hurdle of saving up for down payments and closing costs with its Down Payment Assistance Program.

Worcester, Massachusetts Down Payment Assistance Program offers up to $5000 in assistance funds to income-eligible first-time homebuyers.

MassHousing started Operation Welcome Hometo help homebuyers by providing loans with flexible underwriting, and down payment and closing cost assistance

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