Homeowner & Landlord Resources

Housing Rehabilitation 

The City of Northampton has CDBG funding to assist income-qualified owner-occupants in making necessary repairs to their homes to eliminate building code violations, eliminate unsafe or unhealthy conditions, make accessibility modifications for people with disabilities, improve weatherization, remove lead paint, or undertake other necessary repairs to improve the quality of living conditions. Community Action Pioneer Valley assists the City with the program administration. You can view the program manual to learn more about qualifications, eligible projects, and the rehab process.  

Get the Lead Out is state sponsored program designed to provide low-cost financing to owners of 1-4 family properties to remove hazardous lead paint from their homes and reduce the possibility of lead poisoning in children. This program can be used in conjunction with other programs, such as housing rehab. For Hampshire and Hamden counties, the Get the Lead out program is adminstered by Way Finders out of their Springfield office. Call413-233-1621 or visit their website for more information.

Loan Amounts: 

  • 1-Family Home - $30,000 
  • 2-Family Home - $35,000 
  • 3-Family Home - $40,000 
  • 4-Family Home - $45,000

There are additional state and federal programs specifically to remove lead paint, for owners of single-family and owner occupants of 1-4 family units. Learn more at the Financial Assistance for Deleading Page.

First-Time Homebuyers 

Valley Community Development Corporation (CDC) is funded by Community Preservation Act to offer counseling to first-time home buyers. They will discuss sustainable home ownership, mortgages, and debt. For more information and to register, go to the Frameworks site. Additionally, some Northampton residents may be income-eligible for down payment and closing cost assistance. Valley CDC also offers post-purchase repairs and foreclosure prevention counseling

For Veterans and members of the military seeking to purchase their first home, MassHousing offers closing-costs, down-payment assistance, and affordable financing as part of their Operation Welcome Home (OWH) initiative. OWH differs from a traditional VA Home Loan in that MassHousing will accept non-spouse co-borrowers, they have a simplified condo approval process, and they offer up to $2,500 in closing costs. Additional programs for renters, homebuyers, and developers can be viewed on their homepage. 

For veterans who are near to becoming homeless or who are experiencing homeless, see housing and related resources here.

Mortgage & Utility Help

Homeowner Assistance Fund (HAF) provides financial assistance to help homeowners who are behind on their mortgage payments due to the COVID-19 pandemic. The Massachusetts HAF will provide financial assistance to eligible homeowners who have missed at least three home mortgage payments to help them avoid foreclosure. If a homeowner's application is approved, funds will be provided to a homeowner’s mortgage servicing company (the company that collects their mortgage payments) in order to apply it to the housing loan). 

To check your eligibility or apply for funding: https://massmortgagehelp.org/

Incentives for Sustainability 

Northampton Housing Landlord Incentive Program 

The Northampton Housing Authority (NHA) is offering $1,000 signing bonus and $50 to offset the fees associated with the application for new landlords engaged in a lease with an Emergency Housing Voucher Program participant. This is a great opportunity to help people live independent lives and prevent homelessness. For more information on the program, go to their website: https://www.northamptonhousing.org/EHVLandlord/