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Affordable Homeownership Programs
The Community Development Department provides a variety of programs and services to assist Cambridge residents buying a first home.
Cambridge First Time Homebuyer Classes and Counseling
The Housing Division offers free education and counseling for first-time homebuyers. The First-Time Homebuyer Workshop is offered regularly throughout the year and consists of four 2-hour sessions designed to assist potential homebuyers in understanding the home buying process. Additional specialized classes are offered as well, including classes in foreign languages, trainings for buyers of multi-family properties, and training for new homeowners.
Income Eligibility: Open to everyone.
Resources
- To register for the next available free homebuyer class please contact Michelle Moran, mmoran@cambridgema.gov, at 617/349-4622. You must register for the class in order to attend.
- For the homebuyer class schedule go to Community Development Department Community Meetings, Classes and Activities. Each class includes four sessions, and they are usually offered once each month.
- For classes offered by other communities go to the First-Time Homeownership Education Workshops link on the CHAPA Homeownership Programs web page.
- Individual Counseling
City Sponsored Homebuyer Programs
The City of Cambridge manages several programs for residents looking to buy a home in Cambridge. The city regularly markets units at a specified affordable price and assists potential buyers purchasing units on the open market. Most ownership properties purchased through City sponsored programs are subject to an affordable housing resale restriction. Available properties are advertised on this web site. To learn about new opportunities, please join the affordable housing mailing list.
Income Eligibility: Varies by program.
Resources
Affordable Mortgage Products
There are several mortgage programs available to households purchasing homes in Cambridge including the Massachusetts Housing Partnership Soft Second Loan Program and the MassHousing Municipal Mortgage Program, Take the T Mortgage Program and MassAdvantage Program. These products are offered through several local banks.
Income Eligibility: Varies by program.
Resources
- MassAdvantage Program
- Municipal Mortgage Program
- Soft Second Loan Program
- Take the T Mortgage Program This file is in PDF format and requires use of the free Adobe Acrobat viewer.
For More Information
For more information about affordable housing opportunities in Cambridge, please call the Housing Information Line at 617/349-4622 or send an email to Michelle Moran at mmoran@cambridgema.gov. The Community Development Department TTY line is 617/349-4621.
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