（Boston Orange編譯）麻州政府與「麻州住房融資局（MassHousing）」宣佈投入2,450萬美元，在波士頓與布羅克頓（Brockton）興建123套可負擔住宅，並為首次購屋家庭提供15年零利率，可延期還款的第二貸款，以及最高2.5萬美元的頭期款、協助至少1,000戶人家成為有殼蝸牛。
這筆「麻州財富締造者（CommonWealth Builder）」資金將支援波士頓比肯丘（Beacon Hill）、使命丘 (Mission Hill)，洛士百利(Roxbury)及布羅克頓（Brockton）
等4個開發案，填補建案資金缺口，推動原本難以落地的可負擔住宅。4案合計123戶，售價約19.9萬至44.6萬美元，主要面向地區中位收入80%至100%的買家，部分可達120%，預計2028至2029年間完工。
其中，比肯丘興國街（Hancock）案將改建15戶；使命丘案建48戶；洛士百利NUBA案45戶；布羅克頓柴契爾屋（Thatcher House ）B1則提供15戶家庭型住宅。
麻州府同時擴大首次購屋補助，新增2,500萬美元資金，符合資格的中等收入家庭若在2026年4月27日至7月31日期間鎖定MassHousing房貸，最高可獲2.5萬美元零利率、可延後償還，用於支付頭期款、過戶費或降低利率的貸款。相較過去2%至3%利率的第二順位貸款，新方案可明顯減輕購屋負擔。
MassHousing從2023年以來，已提供超過19億美元房貸，幫助5,900多戶家庭有了自己的家，其中包括5億7000萬元貸款是用在幫助1600名首次購屋者在麻州門戶城市內買房屋。MassHousing從1966年成立以來，已爲大約95,000名麻州買家提供了160億元融資。
Expanded homebuyer assistance combined with CommonWealth Builder awards will lower costs and help more Massachusetts residents buy a home
BOSTON — The Healey-Driscoll Administration and MassHousing today announced $24.5 million in CommonWealth Builder awards to create 123 new affordable homes for first-time homebuyers in Boston and Brockton, helping more residents buy a home, build equity and build their futures in Massachusetts.
The announcement was made at 27-29 Hancock St. in Boston’s Beacon Hill neighborhood, one of four projects receiving CommonWealth Builder funding. The site will be redeveloped by the nonprofit community developer Fenway Forward into 15 new affordable homes for purchase by first-time homebuyers.
The CommonWealth Builder awards will support new affordable homeownership development in Boston’s Beacon Hill, Mission Hill and Roxbury neighborhoods and in Brockton. The program, administered by MassHousing, helps create new homes that are affordable to first-time homebuyers by closing financing gaps on for-sale developments that might not otherwise be built, creating new opportunities for first-time buyers across a range of incomes.
“We want Massachusetts to be a place where people can live, work, raise a family and build a future in the communities they love,” said Governor Maura Healey. “Creating more homes for first-time buyers is an important part of that work. These projects will help turn underused properties into new homeownership opportunities while giving more families the chance to put down roots and build wealth here in Massachusetts.”
“We know Massachusetts needs more homes, and that includes more homes that working families can afford to buy,” said Lieutenant Governor Kim Driscoll. “These awards will help turn vacant and underused sites into new homeownership opportunities while supporting first-time buyers who are ready to put down roots here.”
“Affordable homeownership cannot be treated as an afterthought in our housing strategy,” said Housing and Livable Communities Secretary Juana Matias. “CommonWealth Builder is helping close the gap between what it costs to build new homes and what first-time buyers can afford, giving more families a fair shot at homeownership, financial stability and the opportunity to stay rooted in Massachusetts.”
"We are grateful to the state and all our community partners for the coordinated action to tackle the Greater Boston region’s housing shortage. By investing in ready-to-deliver projects, we are creating more homes for families throughout Boston, helping residents put down roots and keep our communities strong," said Boston Mayor Michelle Wu. "I’m especially thankful to our neighborhood partners who helped shape the vision for these new homes and are ready to welcome new neighbors to this wonderful community."
The Affordable Homes Act included $100 million in new capital authorization for the CommonWealth Builder Program to support the creation of affordable homeownership units. The administration is also advancing the Massachusetts Homeownership Tax Credit, created through the Affordable Homes Act and administered by MassHousing, which provides up to $10 million a year annually through calendar year 2029 to support the development of new affordable homes.
“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. “The CommonWealth Builder Program is helping create new affordable homes for first-time buyers in communities where homeownership has become increasingly difficult to attain. These awards, combined with expanded homebuyer assistance, will help more Massachusetts residents take the next step toward owning a home.”
“Fenway Forward is honored to receive support through the CommonWealth Builder program for the 27–29 Hancock Street project,” said Suneeth P. John, Fenway Forward Deputy Director. “This investment will help create permanently affordable homeownership opportunities in one of Boston’s most historically exclusive and high-cost neighborhoods. We are grateful for the support of the Commonwealth’s Executive Office of Housing and Livable Communities, the City of Boston Mayor’s Office of Housing, and engaged resident stakeholders including the Beacon Hill Civic Association and Homes on Hancock, whose partnership reflects a shared commitment to maintaining Beacon Hill as a vibrant and welcoming neighborhood.”
The administration and MassHousing are also expanding homebuyer assistance for middle-income first-time homebuyers. Governor Healey has invested an additional $25 million so that MassHousing can offer more eligible first-time homebuyers up to $25,000 in homebuyer assistance at 0 percent interest with deferred repayment terms.
Eligible homebuyers can use the enhanced assistance to help cover a down payment, closing costs, prepaid mortgage insurance, or to lower a borrower’s interest rate. The investment is expected to help at least 1,000 additional middle-income households achieve homeownership in Massachusetts. The enhanced assistance is available to eligible first-time homebuyers who lock a MassHousing mortgage between April 27 and July 31, 2026.
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 administration’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 as a second mortgage with a 0 percent interest rate and deferred repayment terms.
Since the beginning of 2023, MassHousing has provided over $1.9 billion in mortgage financing to help more than 5,900 households achieve homeownership. That total includes over $570 million in mortgage financing to support 1,600 first-time homebuyer purchases in the state’s Gateway Cities. Since its inception in 1966, MassHousing has provided $16 billion in financing to nearly 95,000 Massachusetts homebuyers.
The administration is also helping expand access to homeownership through Massachusetts Housing Partnership’s 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.
CommonWealth Builder Awarded Projects
27-29 Hancock Street, Boston
The nonprofit community developer Fenway Forward will construct 15 new affordable homes for purchase by first-time homebuyers at 27-29 Hancock St. in Boston’s Beacon Hill neighborhood. The property is a vacant building that formerly served as a single-room occupancy lodging house. The completed project will be all-electric and will incorporate energy-efficient fixtures and Energy Star-rated appliances. Eight condominiums will be affordable to households earning up to 100% of area median income and seven units will be affordable to households earning up to 80% of area median income. Homes are expected to sell for between $199,314 and $368,973. The city of Boston is providing $3.5 million in matching funding. Construction is expected to begin later this year, with completion anticipated in spring 2028.
Mission Hill Pathway, Boston
Mission Hill Pathway is a five-story new construction project to be built in Boston’s Mission Hill neighborhood by a partnership between Oxbow Urban, DVM Housing Partners and JGE Development LLC. The project will redevelop a vacant, city-owned lot and create 48 new affordable condominiums, all of which will be sold to first-time homebuyers. Twenty-four homes will be affordable to homebuyers earning up to 100% of area median income and 24 will be affordable to households earning up to 80% of area median income. Mission Hill Pathway will feature all-electric building systems and will be designed to be Passive House-compliant and to meet the Massachusetts Stretch Energy Code. Homes are expected to sell for between $199,314 and $368,973. The city of Boston made the parcel available for development and is providing about $4 million in matching funding. Construction is expected to begin later this year, with completion anticipated in spring 2029.
NUBA Homes, Boston
NUBA Homes will create 45 new affordable condominium homes in a six-story building in Boston’s Roxbury neighborhood. The sponsor is Urbanica Inc. NUBA Homes will serve first-time homebuyers across a range of incomes. Thirteen units will be affordable to households earning up to 120% of area median income, 16 units will be affordable to households earning up to 100% of area median income and 16 units will be affordable to households earning up to 80% of area median income. Homes are expected to sell for between $241,977 and $445,590. The city of Boston made the parcel available for development and is providing about $4.5 million in matching funding. Construction is expected to begin later this year, with completion anticipated in fall 2028.
Thatcher House B1, Brockton
Thatcher House B1 will create 15 new affordable homeownership opportunities in a three-story townhouse-style building. The sponsor is the nonprofit Planning Office for Urban Affairs, Inc. The Thatcher House homeownership development is part of a broader redevelopment of the Our Lady of Sorrows convent campus, which will see the Planning Office partner with the Poor Sisters of Jesus Crucified and the Sorrowful Mother to create a total of 160 new affordable homes on the Sisters’ convent campus across, across multiple phases. The Planning Office, the Sisters and the City of Brockton collaborated to rezone the convent campus for new housing growth under Chapter 40R, the state’s smart growth incentive statute. All new homes at Thatcher House B1 will be family-sized units that will be sold to residents earning up to 100 percent of the AMI. Homes are expected to sell for between $308,500 and $356,300. Construction is expected to begin later this year and deliver new homes in the fall of 2028.
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