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MassDREAMS is here for First-Time Home Buyers

MassDREAMS is a grant available with a MassHousing or MHP first mortgage loan and 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.


  • Up to $50,000 for homebuyers earning up to 100%
    of the area median income (AMI).
  • Up to $35,000 for homebuyers earning between 100.01% and 135% of area median income.


  • 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.


  • 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
  • Worcester

We can help you navigate this program, let's talk.

As a first time home buyer the team was very responsive and responded to what we thought were silly questions as we are so new to all this, and they reply in a professional way and most detail to help us understand better. From the time we started to now closing was made quick and easy. Will always recommend the amazing team of people. Thank you so much for helping us get into our dream home! 😊 -KW, Phillipston, MA (Zillow Review)

The information provided has been based on rules and regulations issued by Federal Agencies and interpreted for you. Interpretations are not guaranteed, but we attempt to make them easy to understand. Check with us directly and we can clarify any information that pertains to your financing needs.

Information obtained from 

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