Massachusetts Home for the Brave Program

Link to the Home For The Brave Program

Home for the Brave Home Loan Program

MassHousing'sHome for the Brave program offers affordable, no-downpayment mortgage financing for veterans of the U.S. Armed Services. In conjunction, grants from the U.S. Department of Veterans Affairs are available to help disabled veterans make accessibility upgrades to properties they are interested in purchasing.

How to Apply

Home for the Brave loans are made through approved community banks and are made possible by MassHousing. To apply, contact a participating lender.

Who is Eligible?

Home for the Brave loans are available to

  • all veterans of the U.S. Armed Services,
  • Active-duty military*,
  • Spouses of soldiers, sailors, airmen, or Marines killed while on active duty.

*Because the employment on which their qualification is based is their military service, active-duty military do not qualify for mortgage payment protection if called to serve overseas since neither employment nor salary would change.


No downpayment is required for single-family homes and condominiums.

Income Limits

Home for the Brave borrowers may earn up to 135% of the median income in the city/town in which they are buying a home (up to $111,240). View income limits

Other Restrictions

To qualify for a Home for the Brave mortgage, you must

  • Purchase a primary residence. You do not have to be a first-time home buyer, but you may not own more than one home upon closing the loan
  • Have good credit
  • Have a total housing debt of less than 38% and a total monthly debt of less than 45%
  • If you are buying a 2-, 3- or 4-family property, have two-months' reserves
  • If you are seeking 100% financing, complete a home buyer counseling course

View Home For the Brave Website


Boston Office

MassHousing, One Beacon Street, Boston, MA 02108-3110


Fax: 617-854-1091

TDD: 617-854-1025

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Western Mass. Office

MassHousing, 59 Interstate Drive, West Springfield, MA 01089


Fax: 413-733-2045

TDD: 413-733-2103

View Website