*Please note that MassHousing is not currently offering MassDREAMS grants with its home loans. However, MHP is continuing to process MassDREAMS applications.

Product Features

  • Down payment assistance equal to 5% of the purchase price and applicable closing cost assistance as needed
    • Households earning less than 100% area median income (AMI) are eligible for a maximum of $50,000
    • Households earning between 101% and 135% of area median income (AMI) are eligible for a maximum of $35,000
  • Assistance is structured as a grant


To qualify for MassDREAMS, buyers must:

  • Be a first-time homebuyer
  • Currently reside in one of these 29 communities within Massachusetts
  • Meet the income guidelines for the MHP ONE Mortgage or MassHousing first mortgage product that you intend to use
  • Use the property as their primary residence 
  • Complete an approved homebuyer education course
  • Use an MHP or MassHousing first-mortgage product 

Eligible Communities

If you currently reside in one of these communities, regardless of where you intend to buy your home, then you may be eligible:

Attleboro, Barnstable, Boston, Brockton, Chelsea, Chicopee, Everett, Fall River, Fitchburg, Framingham, Haverhill, Holyoke, Lawrence, Leominster, Lowell, Lynn, Malden, Methuen, New Bedford, Peabody, Pittsfield, Quincy, Randolph, Revere, Salem, Springfield, Taunton, Westfield and Worcester


Still have questions? Visit the FAQ Page here.

If not, click below to see if you qualify!