麻州首次購屋最高25000元無息貸款計劃 本週起擴大辦理

(Boston Orange編譯)麻州長奚莉（Maura Healey）和麻州住房署（MassHousing）宣佈，本週起，將有更多年收入低於地區中位收入135%的首次購屋州民，能夠申請到25,000美元無息首付貸款，實現成為「有殼蝸牛」理想。

奚莉州長在今年稍早前宣佈，投資2500萬美元，擴辦麻州房屋署的購屋者援助計劃，以幫助更多人降低購屋前期成本，在可負擔情況下成為屋主。

收入上限低於地區中位數收入135%的首次購屋者，可根據這計畫，申請最高25,000元，0%利率，可延期償還的貸款，用於支付頭期款，結案費用、預付抵押保險或降低利率。這筆資金本質為第二抵押貸款，不需逐月還款。

這計畫是把先前利率2%至3%的15年期第二抵押貸款模式，轉變為目前的無息延期償還模式。買家僅需在出售房屋、重新轉貸或付清主貸款時偿還該筆款項。

申請人須在2026年4月27日至7月31日間鎖定MassHousing抵押貸款。

各區域的中位收入上限為：麻州東部205,335美元、Worcester郡165,645美元、Berkshires地區137,565美元及Hampden郡129,870美元。

MassHousing從2023年初迄今，已提供逾19億美元抵押貸款融資，協助超過5,900戶家庭成為屋主。在此期間，該機構發放4,757筆首付援助貸款，其中八成抵押貸款案件使用此類首付援助工具。州政府亦同步推動麻州購屋稅收抵免，以支持新建住宅產權。相關資訊可至masshousing.com查詢。

麻州政府目前亦推動麻州購屋稅收抵免，至2029年前每年提供1,000萬美元支持新建住宅產權。相關申請細節可至masshousing.com查詢。

Governor Healey Announces $25,000 in Interest-Free Downpayment Assistance Now Available for More First-Time Homebuyers   

BOSTON — Governor Maura Healey and MassHousing announced that starting this week, more Massachusetts residents are now eligible for $25,000 in interest-free downpayment and homebuyer assistance to help them afford to buy their first home. Earlier this year, Governor Healey announced a $25 million investment to expand MassHousing’s homebuyer assistance program so that more people than ever before can lower their upfront costs and afford to become homeowners. 

“We are focused every day on lowering the cost of housing for people,” said Governor Healey. “This program lowers families’ upfront costs and their monthly payments so that more people can afford to buy a home and build their future right here in Massachusetts. Today, we’re bringing this assistance to a wider cross-section of the middle class who are being priced out of homeownership right now. We encourage any eligible first-time homebuyers to apply for this expanded assistance, and we’re going to keep using every tool at our disposal to lower costs for everyone.” 

“Making homeownership more affordable takes action on multiple fronts, and that is exactly what we are doing,” said Lieutenant Governor Kim Driscoll. “By expanding homebuyer assistance and supporting other tools that lower costs, we are helping more working families and middle-class residents take the first step toward buying a home of their own.” 

This program provides eligible buyers with up to $25,000 at 0 percent interest with deferred repayment terms to help cover a down payment, closing costs, prepaid mortgage insurance or reduce their interest rate. The program is available to first-time homebuyers who lock in their MassHousing mortgage between April 27 and July 31, 2026 and earn up to 135 percent of area median income, which includes many middle-class borrowers across the state. This assistance is available to people earning up to 135% of area median income – ranging from $205,335 in eastern Massachusetts, to $165,645 in Worcester County, to $137,565 in the Berkshires and $129,870 in Hampden County.   

Interested homebuyers can visit masshousing.com to learn more about eligibility criteria and application instructions. 

“For many families, the biggest obstacle to buying a first home is saving enough for a down payment,” said Housing and Livable Communities Secretary Juana Matias. “This expansion will help more Massachusetts residents become homeowners by tackling that barrier head-on.” 

“MassHousing is committed to expanding sustainable homeownership opportunities across Massachusetts and ensuring that homebuying opportunities remain within reach for working families,” said MassHousing CEO Chrystal Kornegay. “Homebuyer assistance, including down payment assistance, is critical to removing barriers to homeownership and ensuring that first-time homebuyers are positioned for long-term success. The Healey-Driscoll Administration’s investment in Massachusetts families will deepen the impact of MassHousing’s homebuyer assistance program and accelerate the path to homeownership for middle-income families.” 

“We see owning our home like an investment for the future. We hope to grow our family and now we have something for us,” said Ilse Bellido, who with her fiancé, used MassHousing financing with down payment assistance to purchase their home in Lowell. “When I first walked into my house, honestly, it’s so beautiful, it’s new, and it’s mine.” 

MassHousing already offers up to $25,000 in down payment and homebuyer assistance loans to moderate- and middle-income households purchasing a first home in any Massachusetts community. Prior to the Governor's investment, this assistance was offered in the form of a 15-year second mortgage with interest rates ranging from 2 to 3 percent, depending on household income. With the new funding, that assistance is now available at 0 percent interest with deferred repayment, significantly lowering upfront costs for buyers.  

Since the beginning of 2023, MassHousing has delivered more than $1.9 billion in mortgage financing, helping over 5,900 households become homeowners. During that time, the agency has issued 4,757 down payment assistance loans, with four out of five mortgages supported by this tool. Over the past 18 months, nearly all first-time homebuyers using MassHousing have relied on down payment assistance to purchase a home. 

The Healey-Driscoll Administration is also advancing the Massachusetts Homeownership Tax Credit (HTC), created under the Affordable Homes Act and administered by MassHousing, to increase homeownership opportunities for moderate-income households through the development of new homeownership units. The HTC provides up to $10 million a year for five years through calendar year 2029 to support the production of new homeownership units. It is the first program of its kind in Massachusetts and one of only three programs nationally to use state tax credits to support homeownership production.  

These initiatives complement existing programs that help expand access to homeownership through Massachusetts Housing Partnership’s (MHP) homeownership programs, including ONE Mortgage, ONE+ and ONE+Boston, which help eligible first-time buyers lower borrowing costs and access financial assistance. Since 1991, MHP has provided over $5.3 billion in below-market bank financing and made it possible for more than 26,000 low- and moderate-income families in Massachusetts to purchase their first home.