MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers)
Massachusetts Housing Partnership (MHP) / City of Boston
About This Program
The Grant Map catalogs MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) in its Boston, MA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
ONE+Boston combines the Commonwealth's most affordable first-time homebuyer mortgage (ONE Mortgage) with City of Boston down payment and closing cost assistance. The program requires only 3% down (1.5% from savings), no private mortgage insurance, and offers the lowest available fixed rates. Applicants must have under $75,000 in household assets and complete a homebuyer education class. Income limits apply and vary by household size.
3% down payment (1.5% from own funds); no PMI; low fixed rate. City provides additional DPA. Household assets must be under $75,000. Income limits vary; credit score minimum 640.
The cited program-specific URL responded on 2026-07-21; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Boston, MA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Boston HomeWorks Green Loan Program Up to $70,000
- Boston HomeWorks Home Equity Loan Program (HomeWorks HELP) Up to $50,000 (3-4 family)
- Boston Senior Home Repair Loan 0% deferred loan; amount based on necessary work
- Boston Seniors Save Program Up to $12,000 grant
Key Details
- Boston's most affordable first-time homebuyer mortgage, 3% down, no PMI
- City of Boston adds down payment and closing cost assistance
- Household assets must be under $75,000 (excluding most retirement accounts)
- Must complete an approved homebuyer education class before applying
- Contact Boston Home Center at 617-635-4663 or visit boston.gov/firsttimehomebuyer
How to Apply
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Boston.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, contact participating lenders
Questions about this program?
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Frequently asked questions
What audience tags are recorded for MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) in Boston?
The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for MHP ONE Mortgage / ONE+Boston (First-Time Homebuyers) in Boston, MA?
Confirm the application route directly with Massachusetts Housing Partnership (MHP) / City of Boston; use the cited source on this page as a starting point or call 617-635-4663. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Boston, MA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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