Apply for First time Homebuyer Assistance

Program Overview

With a goal of increasing owner-occupancy in the urban core of Haverhill, the City will be providing up to $6,000 in down payment and/or closing costs through its ‘FTHB' program. This program features:

• Availability only from properties on selected streets in the Mount Washington and Lower Acre Neighborhoods where owner-occupancy is much lower than average;
• Participants remain eligible for the Housing Rehabilitation and Code Correction program (HRCCP);
• Assistance is limited to these eligible addresses.
• Note: Other adjacent neighborhood addresses may be considered for eligibility at the discretion of Community Development Department.

Applicant Eligibility

• Applicants must be first time homebuyers.
  • A first-time homebuyer is defined as anyone who has not owned a home for three (3) years. Single parents and displaced homemakers who owned or resided in a home with a spouse during the last three years are also first-time home buyers.
• Applicant’s must complete a certified First Time Homebuyer Training Seminar. To look up classes near you please visit: www.chapa.org 
• Applicants must be income eligible. Current income limit are as follows:
  

  Family Size	Income Limit
  1	$72,950
  2	$83,400
  3	$93,800
  4	$104,200
  5	$112,550
  6	$120,900
  7	$129,250
  8	$137,550

                      *Limits effective June 1, 2025