I have saved some money for a down payment but it’s not enough. Can you help?
Yes. Our First-time Buyers Loan Program makes loans to low and moderate-income individuals or families who have not owned a home before (plus owners over 55 and others who meet specific requirements--please ask about these exceptions). This loan has 0% interest and no monthly payments. However, it must be re-paid when you sell or transfer the property. It can be used for down payment, closing costs, legal fees, or repairs. The amount you are able to put into the purchase from your own funds will usually be matched by the town, up to $10,000. The minimum required from your own funds is 1.5% of the purchase price. For more details on the program, please see our application (PDF) and brochure (PDF) or

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1. I have saved some money for a down payment but it’s not enough. Can you help?
2. Is your First-time Buyers Loan Program limited to those who have never owned a home before?
3. Do you have funds to help with repairs to my home?
4. What sorts of incentives do you offer to developers of housing, including financial assistance?
5. What are the options open to property owners who wish to create an accessory apartment or a residential dwelling in an outbuilding?
6. When you refer to low and moderate-income individuals or families, what exactly does that mean?