MA Gateway Cities · Deferred 0% loan

MassHousing MassDREAMS

$50,000

Up to $50,000 in 29 Gateway Communities including Boston, Springfield, Worcester, and more.

MassHousing's MassDreams program provides enhanced DPA and mortgage terms for buyers in designated Massachusetts communities. The program targets neighborhoods where homeownership investment promotes community stability and economic opportunity.

Amount$50,000
TypeDeferred 0% loan
Available inMassachusetts
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

$50K on a multi-family in a Gateway City is one of the largest state DPA amounts in the country.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
MassHousing DPA $30,000
Massachusetts · Deferred 0% loan
ONE Mortgage Program 3% down + no PMI + subsidized rate
Massachusetts · Subsidized loan
MassHousing MI Plus Free job-loss protection built into loan
Massachusetts · Insurance benefit
All Massachusetts programs →

Get your free stacking strategy

We'll show you how to combine MassHousing MassDREAMS with other programs to maximize your free money — personalized to your ZIP code and income.

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