There are several Down Payment Assistance programs available.

MassHousing currently provides eligible homebuyers of up to $30,000 with Down Payment Assistance when purchasing a home in Massachusetts.

Mass Housing Relevant links For Your Review:

https://www.masshousing.com/home-ownership/homebuyers/down-payment-assistance

https://www.masshousing.com/home-ownership/homebuyers/income-limits

Per MassHousing: some helpful details regarding Down Payment Assistance

"MassHousing provides down payment assistance in the form of a second mortgage loan. MassHousing-approved lenders determine which type and the amount of down payment assistance a borrower is eligible for.

• Option 1 DPA is an interest-free deferred payment second mortgage loan, which means that no payments are due until the property is sold, refinanced, or the first mortgage loan is paid off, at which time, the entire balance is due.
• Option 2 DPA is a 15-year amortizing second mortgage loan at a fixed 2% rate of interest (APR 2%), which means that the borrower makes monthly payments of principal and interest for 15 years on this second loan, in addition to the monthly payments on their first mortgage loan."