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First-Time Buyer Assistance Programs

MassHousing, NH Housing, and the down-payment assistance programs available to first-time buyers.

Massachusetts: MassHousing

MassHousing offers low-interest down payment assistance loans layered on top of a standard MassHousing mortgage, along with mortgage insurance rates typically lower than conventional loans for qualifying buyers.

New Hampshire: Home Preferred

NH Housing's Home Preferred program combines a low down payment mortgage with direct assistance toward the down payment and closing costs, aimed specifically at first-time buyers.

Who Qualifies as a "First-Time" Buyer

In most programs, you qualify as a first-time buyer if you haven't owned a home in the past three years, not only if you've truly never owned one.

Required Education

Most assistance programs require a homebuyer education course, often available online. We help you find an approved course as part of your pre-approval process.

Talk to Us First

Because program details and income limits change, the fastest way to know what you qualify for is a free consultation. We'll walk through your specific numbers before you talk to a lender.