$50,000 Mortgage Subsidy Loans

We have four $50,000 mortgage subsidy loans available for first-time buyers looking to purchase Amherst homes for sale.

To apply, contact us by email or call 413-586-5855 ext. 231 to set up an appointment. Applicants must meet income eligibility requirements.

Household Size/Income Limit

  • 1 person – $65,590
  • 2 people – $74,960
  • 3 people – $84,330
  • 4 people – $93,700
  • 5 people – $101,196


Please note that some programs require lead testing if children under 6 live in the household.  For more information, see this brochure.

Contact Us



Frequently Asked Questions About The Amherst First Time Homebuyer Subsidy Program

What types of financial assistance are available to first-time property owners in Amherst?

Valley may provide substantial financial assistance to first-time home buyers. Eligible applicants can access a $50,000 mortgage subsidy loan to help make homeownership more affordable.

Are there homeowner grants or subsidies available for low income households looking to purchase a home?

Yes, mortgage subsidies are available for low income households purchasing a home in Amherst. Valley offers mortgage subsidy loans up to $50,000 for first-time buyers who meet income eligibility requirements. These Massachusetts housing assistance programs aim to provide Massachusetts affordable housing options to those in the community that need it most.

What are the qualification requirements for first-time homeowner financial assistance programs?

For Valley’s mortgage subsidy loan, income limits range from $65,590 for a 1-person household to $101,196 for a 5-person household. Additional requirements may include lead testing for households with children under 6. To determine full eligibility, interested parties should contact us directly.



Additional Homebuyer Grant Opportunities in Northampton and Easthampton

Whether you’re in Amherst, Northampton, or Easthampton, our goal is to facilitate access to affordable housing in MA through financial assistance and dedicated support. Contact us to find out how we can help you on your journey to becoming a homeowner.

Visit The Northampton Homebuyer Mortgage Subsidy Page

Visit The Easthampton Homebuyer Mortgage Subsidy Page