Housing Services Home
Down Payment and Closing Cost Assistance
Family Self-Sufficiency
First Time Homebuyer Workshops
Greater Plymouth Area Supportive Housing (GPASH)
Home Inspection
Home Loan Programs
Housing Assistance Program (HAP)
Housing Consumer Education Center (HCEC)
JOBLink Housing Voucher
Landlord Seminars
Ready To Buy Application
Residential Assistance for Families in Transition (RAFT)
Scattered Site Transitional Apartment Program (SSTAP)
Tenant Training Workshops
Transition to Independent Living (TIL)
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Down Payment and Closing Cost Assistance
South Shore Housing contracts with several agencies to administer various Home Loan Programs.
Home Loan Programs: for more information on each program please click on the name
- H.O.M.E. Loan Program (SSH DOES NOT CURRENTLY HAVE HOME FUNDS AT THIS TIME -PLEASE CHECK BACK IN THE FUTURE)
Home Modifications for the Disabled Loan Program
Service Area: Plymouth, Bristol and Barnstable Counties
The Home Modification for the Disabled Loan Program provides loans to make modifications to the principal residences of elder adults with disabilities, and families with children who are disabled. These loans are available at considerably lower rate than current market rates.
Funds can be used to add wheelchair accessible ramps, expand or reconfigure bathrooms to accommodate a person in a wheelchair, make modifications to a kitchen and/or any other room of a home or to provide special alarm systems for persons with hearing or sight loss.
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TYPES OF LOANS: |
Deferred Payment and Amortizing Loan* |
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LOAN INTEREST RATES: |
0% and 3% depending on income |
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AMOUNT OF LOAN: |
$1,000 to $25,000 |
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ELIGIBIILITY: |
Families at or below Median Income – 0% deferred loans.
Families between 100% and 200% of area Median Income – 3% deferred payment or Amortizing Loan. |
INCOME LIMITS
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FAMILY SIZE |
100% OF MEDIAN INCOME |
100 – 200% OF MEDIAN INCOME |
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1 |
$58,900 |
$117,800 |
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2 |
$67,300 |
$134,600 |
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3 |
$75,700 |
$151,400 |
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4 |
$84,100 |
$168,200 |
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5 |
$90,800 |
$181,600 |
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6 |
$97,600 |
$195,200 |
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7 |
$104,300 |
$208,600 |
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8 |
$111,000 |
$222,000 |
For more information on this program you can contact Marguerite Pujalte at 781-422-4241. You may also go to the Mass Rehab Commission (http://www.mass.gov/mrc/hmlp) for more information.
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H.O.M.E. Loan Program
South Shore Housing’s H.O.M.E. Loan Program provides down payment and closing cost assistance to low and moderate-income families purchasing their first home in participating communities. Participating communities are:
Acushnet, Carver, Dartmouth, Fairhaven, Halifax, Hanson, Kingston, Middleboro, Plympton, Rochester, Wareham, and Westport.
Loans of up to $8,000 are available for the purchase of a single-family home that will be owner occupied. This loan is a no interest, deferred payment mortgage; repayment terms vary depending upon how long you reside in the home. The loan is forgiven after five years.
Eligibility
- Must be the families principal residence
- The property must meet the Housing Quality Standard Inspection. This is not a replacement for a professional home inspection.
- The appraised value of the property must not exceed 95% of the area median price as determined by HUD. ($218,500 as of 1/5/2000)
- Property must be a single family dwelling
- Property must be located in participating communities
- Borrower must attend an approved Homebuyer Education Workshop
- Must meet income limits within the town where property is located
- Borrowers are required to provide a minimum of 2 ½ to 3% of their own funds for down payment
- Borrower must be first time homebuyer – defined as someone who has not had an ownership interest in a principal residence in the past three years. Exceptions: single parent as defined in the HOME regulation, displaced homemaker as defined by the HOME regulation
Income Limits – gross income
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FAMILY SIZE |
CARVER, WAREHAM, KINGSTON |
ACUSHNET, FAIRHAVEN, ROCHESTER |
HALIFAX, MIDDLEBORO, PLYMPTON |
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1 |
$40,800 |
$29,200 |
$35,550 |
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2 |
$46,650 |
$33,350 |
$40,650 |
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3 |
$52,500 |
$37,500 |
$45,700 |
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4 |
$58,300 |
$41,700 |
$50,800 |
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5 |
$63,000 |
$45,000 |
$54,850 |
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6 |
$67,650 |
$48,30 |
$58,950 |
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7 |
$72,300 |
$51,700 |
$63,000 |
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8 |
$77,000 |
$55,000 |
$67,050 |
For more information on this program you can contact Marguerite Pujalte at 781 422-4241.
For more information on our homebuyer opportunities click here
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