MassDREAMS Mortgage Grant Program

MassDREAMS is made possible by federal funding from the American Rescue Plan Act of 2021, which provides assistance to states to mitigate the economic effects of the pandemic.  MassDREAMS is a Massachusetts program that provides down payment and closing cost grants to first-time homebuyers who meet the program's eligibility criteria and who currently live in one of the 29 communities that were disproportionately impacted by the COVID-19 pandemic.  You may qualify for up to $50,000.

Do you live in one of the eligible cities or towns?  They are: 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.  

To be eligible for MassDREAMS Homebuyer Grants, you must

• Be a first-time homebuyer
• Purchase a home in any Massachusetts community, using a MassHousing or MHP mortgage
• Currently reside in one of the 29 Disproportionately Impacted Communities* in Massachusetts
• Buy a single-family home, condominium or 2-, 3- or 4-family home, which will be your primary residence
• Meet income and other eligibility criteria, which vary by location

To learn more about MassDREAMS and to see if you might be eligible, visit mymasshome.org. This website is administered by the Citizens Housing and Planning Association and jointly funded by MassHousing and MHP.

Important Note: MassDREAMS grants are only available to eligible first-time home buyers who purchase a property using a first mortgage loan from MassHousing or the Massachusetts Housing Partnership (MHP).