📍 Massachusetts First-Time Buyers
Up to
$25K
toward your first home — no monthly payment.
MassHousing just opened a new down-payment-assistance program: 0% interest, $0 monthly, deferred until you sell or refinance. Window closes July 2026.
30-second eligibility check · No credit pull · No obligation
Why this program is different
0% interest
No interest accrues over the life of the assistance.
$0 monthly payment
You never write a monthly check on the $25K.
Deferred until you sell
Only due when you sell, refi, or pay off the home.
Stacks with FHA / Conventional
Use with the first-mortgage program that fits best.
How it works
1
Check eligibility
Fill out the short form below or text (617) 595-2500. Ivan texts back a plain-English summary in under 30 minutes.
2
Get pre-approved
We line up the first mortgage (FHA or Conventional) plus the $25K MassHousing layer — all in one file.
3
Close on your first home
The $25K goes straight toward your down payment and closing costs at closing.
You likely qualify if
- Renting (or haven't owned) in Massachusetts
- Buying a 1-4 family primary home in MA
- Household income up to ~135% area median (≈ $205K Eastern MA)
- Can cover the difference of closing costs (we help identify lender credits)
Income limits apply. First-time buyer defined as not owning a home in the last 3 years. Program ends July 2026 or when funds exhaust, whichever is first.
30-second eligibility check
No credit pull. No obligation. Ivan will text you a plain-English summary.
Ivan Duarte
VP of Mortgage Lending · NMLS #32559
24-year mortgage veteran leading The ROC Group at CrossCountry Mortgage. I built the tech that reviews your file so we spend our time on strategy, not paperwork. If the $25K fits your situation, I'll tell you straight. If it doesn't, I'll tell you what does.