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With MassHousing, we support affordable housing opportunities across the Commonwealth of Massachusetts. Our mission is to help low-to-moderate income home buyers achieve and maintain their dream of home ownership.

We offer all MassHousing programs and will conduct an eligibility check for you. The eligibility check is a quick comparison of your household income, estimated loan amount and your home's expected occupancy level against MassHousing income and loan limits. Upon completion of the form below, you will receive an Eligibility Letter.

Please complete the following for MassHousing Eligibility:

A MassHousing Mortgage is safe, with a low-downpayment and a no mortgage insurance option. The features are:

  • Affordable interest rates, fixed for the life of the loan
  • 30-year repayment terms
  • Up to 97% financing on single-family homes and condominiums; 95% financing on two, three, and four family homes
  • No hidden fees or other surprises

To qualify for a MassHousing Mortgage, borrowers must:

  • Meet income and loan limit guidelines
  • Purchase a 1- to 4-family property
  • Have good credit
  • Complete a homebuyer education course

For income and loan limit guidelines, click here.

For homebuyer education course, click here.