MHFA Start Up Deferred Loan
$18,000typical award
0% interest, payment deferred for the life of the mortgage. First-time buyers statewide.
Eligibility checklist
- First-time homebuyer (no ownership in past 3 years)
- Household income at or below MHFA Start Up limits for your county
- Minimum credit score 640 (varies by lender)
- Complete an approved Home Stretch homebuyer education class
- Property must be primary residence (1-2 units)
Contact an MHFA-approved lender to apply.
Ready to apply?
Open the official program page and start with an approved lender.
Verified June 2026. Program terms change — confirm details with the official source before applying.