David Licciardi - Main Street Home Loans is a MassHousing-experienced lender helping first-time buyers in Massachusetts. MassHousing is a state program that offers down payment assistance and competitive home loans to buyers who meet income limits. David can check your eligibility and walk you through the steps. NMLS #212449. Equal Housing Lender.

What is MassHousing?

MassHousing is the state housing finance agency for Massachusetts. It helps people buy a home with affordable loans and down payment help. You apply through an approved lender, not through the state directly.

Down payment assistance:

MassHousing offers eligible first-time buyers up to $30,000 in down payment assistance. For a limited time, MassHousing is also offering $25,000 in homebuyer assistance at 0% interest for eligible first-time buyers who lock a MassHousing loan between April 27 and July 31, 2026. (Source: MassHousing.com and Mass.gov.)

Income limits:

MassHousing assistance is available to buyers earning up to 135% of the area median income. The limit changes by region. As of mid-2026 it ranges from about $205,335 in eastern Massachusetts down to about $129,870 in Hampden County. (Source: Mass.gov)

Who it is for ?

  • First-time buyers in Massachusetts who meet the income limit
  • Buyers of a single-family home, condo, or 2-, 3-, or 4-family property that will be their primary residence
  • Buyers who need help with the down payment

Credit: 

MassHousing minimum credit scores depend on the loan, the property type, and the loan-to-value ratio. They generally range from 640 to 700. (Source: MassHousing.com.)

How to start:

David Licciardi reviews your income and savings, checks the current income limits for your area, and tells you if MassHousing is a fit. There is no cost to ask.

Frequently Asked Questions

Compliance : NMLS #212449 (David) · #2893 (branch). NFM Lending, LLC dba Main Street Home Loans. Licensed in CT, FL, ME, MA, NH, RI. Equal Housing Lender. Not affiliated with or endorsed by any government agency. Not a commitment to lend.

Our Location

  • First-time buyers in Massachusetts who meet the income limit
  • Buyers of a single-family home, condo, or 2-, 3-, or 4-family property that will be their primary residence
  • Buyers who need help with the down payment