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3.5% Down (minimum)
5.978%30-year fixed
10% Down
5.978%30-year fixed · shorter MIP
15-Year FHA
5.978%Faster payoff
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First-Time Homebuyer Programs in ZIP Code 02764
Compare the top low-down-payment programs side by side
Most states offer first-time homebuyer assistance programs that can be stacked with FHA or HomeReady loans — covering down payment or closing cost assistance. Ask your Safe Rate loan officer about programs available in Massachusetts for additional savings.
Frequently Asked Questions
What are current first-time homebuyer rates today in 02764, , MA?
Today's leading benchmark rate for first-time homebuyer rates in 02764, , MA is 6.848% (with an estimated monthly payment of $2,904). Calibrated directly to 02764, , MA's local housing market, Safe Rate shows up-to-the-minute interest rates and points across Conventional, FHA, VA, and Jumbo loan programs daily.
What is the recent trend for first-time homebuyer rates in 02764, , MA?
Mortgage rates for first-time homebuyer rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, rates for first-time homebuyer rates in 02764, , MA have hovered between a low of 6.469% and a high of 6.929%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 02764, , MA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $568,952 in 02764, , MA, a standard 20%-down Conventional loan requires an upfront cash down payment of $113,790 but keeps your monthly payment lower at $2,904/mo (at 6.848% interest) with no monthly PMI. In comparison, an FHA loan requires only $19,913 (3.5% down) but has an estimated payment of $3,254/mo (at 5.978% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $549,039 exceeds the local HUD FHA limit of $524,225 for a 1-unit property, meaning entry-level buyers here will likely require conventional financing or a larger down payment to comply with government limits.
What is the maximum conforming loan limit in 02764 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 02764 is $806,501. With a typical local home value of $568,952 in , a standard 20%-down mortgage requires a loan size of $455,162. Because this is within the $806,501 conforming threshold, buyers can qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 02764, , MA impact estimated mortgage payments?
The median home value in 02764, , MA is estimated at $568,952. Buying a typical home here with a standard 20% down payment ($113,790) translates to an estimated starting monthly mortgage payment of $2,904 (principal and interest). Compared to the local area median household income of $136,646 ($11,387/mo), this basic housing payment represents approximately 25.5% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.