We have one $50,000 mortgage subsidy loan available for first-time buyers purchasing in Northampton, MA.

To apply for this Northampton, Massachusetts mortgage assistance, 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 – $67,900
  • 2 people – $77,600
  • 3 people – $87,300
  • 4 people – $97,000
  • 5 people – $104,760
  • 6 people – $112,520
  • 7 people – $120,280
  • 8 people – $128,040

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

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Frequently Asked Questions About The Northampton Housing Subsidy Program

What types of financial assistance are available to a potential first-time property owner in Northampton?

Valley may offer significant financial assistance to first time home buyers in some MA cities and towns with the support of municipal CPA funds. Eligible applicants can access a $50,000 home mortgage subsidy to make homeownership more attainable in Northampton.

Can low-income households receive homeowner grants or mortgage subsidies when looking to purchase a home in Northampton?

Absolutely. Mortgage subsidies are available for low-income households that are purchasing their first home in Northampton. Valley provides mortgage subsidy loans up to $50,000 for first-time buyers who meet the income eligibility guidelines.

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

For Valley’s Northampton Housing Subsidy program, the income limits range from $65,590 for a 1-person household to $101,196 for a 5-person household. Lead testing may also be a requirement for households with children under the age of 6. To establish full eligibility and learn more about how to qualify for mortgage subsidy assistance, interested individuals should reach out to us to confirm their eligibility.