Massachusetts down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Massachusetts, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| MassHousing DPA — 0% Deferred Option | Up to $30,000 statewide under current consumer page | program specific | 0% deferred second; due at sale/refi/first-mortgage payoff | Verify live funding and current lender matrix before relying on the program. |
| MassHousing DPA — 2% Amortizing Option | Up to $25,000 | program specific | 15-year amortizing second at 2% | Verify live funding and current lender matrix before relying on the program. |
| MassHousing DPA — 3% Amortizing Option | Up to $25,000 | program specific | 15-year amortizing second at 3% | Verify live funding and current lender matrix before relying on the program. |
| MassHousing Workforce Advantage 4.0 DPA | Current WFA DPA amount per live lender matrix | program specific | 0% deferred required second lien | WFA has separate product/income requirements; live lender library controls the current DPA amount. |
MassHousing DPA — 0% Deferred Option
MassHousing DPA — 0% Deferred Option is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
MassHousing DPA — 2% Amortizing Option
MassHousing DPA — 2% Amortizing Option is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
MassHousing DPA — 3% Amortizing Option
MassHousing DPA — 3% Amortizing Option is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
MassHousing Workforce Advantage 4.0 DPA
MassHousing Workforce Advantage 4.0 DPA is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program specific
National programs Massachusetts buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Massachusetts's biggest DPA lesson
MassHousing’s temporary spring 2026 expanded DPA ended, so V25 uses the current post-June menu and separately preserves Workforce Advantage 4.0, which MassHousing’s current lender library still supports.
Let Josh compare the available programs.
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