and narrow your search. If you have fewer than 200 results, you can save your search.

Single Family Home with No Money Down

Whether it be the quintessential white picket fence or the contemporary home with water views, one thing that  likely stands in the way of your dream, is saving for that ever-growing down payment. With the steady increase of single family home prices, the down payment amount rises with every year you wait. We have seen too many people caught in the cycle of paying the high rents in Boston unable to save enough for the initial down payment. Let us help you, and get you into home ownership this year!

Here is an overview of the process;

  1.  Contact a Melcher Real Estate Group(MREG) Agent.
  2.  Attend a meeting with our lender to become pre-approved for the program with a price range.
  3.  Work with your MREG agent to locate a home that fits you and the program.
  4.  Make an offer with your MREG agent.
  5.  Get the financing and close the deal!

Typically, we find the biggest hurdle stopping people from taking the leap from renting to homeownership is the down payment that banks and mortgage companies need to lend buyers the money to make their dreams come true.  After careful research we have found a program in which you will not need any money for a down payment nor have a perfect credit score!

There are two options available, here are the basics:

FORGIVABLE DOWN PAYMENT – a down payment assistance loan that is forgivable after 3 years of on-time payments.

Or

REPAYABLE DOWN PAYMENT – a loan repaid at 0% interest over a 10-year period or at a competitive market rate over a 30-year period
 

There are no first time home buyers restrictions nor geographic location restrictions. A credit score of 620 is needed and you are off and running to buying your new home!  Call us to set up your meeting today. It is free and there is no obligation.

41 Acorn Street Malden MA 02148

Price$599,000

Est. Mortgage: $/month

Open House

MLS Number 72581879

  • Single Family
  • Next Open House: Sat 19th 12:00 pm - 2:00 pm
  • Garage 1
  • Parking Spaces 3
  • Year Built 1910

Sunny & Spacious modern 4 bedroom/1.5 bath 8 room Colonial single house. Comfortable living room, dinning room, Family room. Hardwwood floor throughout. Spacious 4 bedroom/1.5 bath 8 room Colonial single house. Comfortable living room, dinning room, Family room. Hardwwood floor throughout. Generously- sized 2nd floor 3 bedrooms. Additional space on 3rd floor.. Newer kitchen with stainless steel appliances and granite counter top. Ample storage space in partially finished basement,Laundry in the basement. Front porch, rear deck and decent yard space. One car garage, 3 off street parking space, Convenient to multiple bus routes and Malden center T. First showing open house Sat. 12-2pm and Sun. 10-12pm.

Listed by David LI, eXp Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

639 Quincy Shore Drive Quincy MA 02170

Price$599,900

Est. Mortgage: $/month

Open House

MLS Number 72550636

  • Single Family
  • Next Open House: Sat 19th 11:30 am - 1:30 pm
  • Parking Spaces 1
  • Year Built 1900
  • Full Bath 1

OPEN HOUSE SATURDAY 11:30-1:30. Stunning water views from almost every window in this updated colonial located on a corner lot in the Wollaston section of Quincy, MA. Live at the beach year round and enjoy expansive, breathtaking views of Quincy Bay, the Boston skyline, Harbor Islands, Squantum & Wollaston Yacht Clubs and more. Many recent updates to this beautiful home including gas heating system, new hot water, granite and stainless kitchen, new roof, 2nd floor deck overlooking the beach, 1/2 bath, Nest thermostat, fencing, sprinkler system and more! The first level offers an open floor plan that is perfect for entertaining that consists of fireplaced living room, kitchen, dining room, sitting room and 1/2 bath. The 2nd floor offers 3 large bedrooms, full bath and office or den leading to the roof deck to watch the boats sail by. All this is located just minutes from Rt. 93 to Boston, the Red Line T Station, Marina Bay and more!

Listed by Joan Cullen, RE/MAX Realty Pros

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

15 Shirley Street Marshfield MA 02050

Price$569,000

Est. Mortgage: $/month

Open House

MLS Number 72558659

  • Single Family
  • Next Open House: Sun 20th 11:00 am - 1:00 pm
  • Parking Spaces 4
  • Year Built 1973
  • Full Bath 2

Wow! What an amazing home. You will not be disappointed! Seller has completely renovated throughout the house. The house needs nothing but new homeowner moves in. First floor has open floor plan in Kitchen and living room with fireplace and sliding door leading to rear deck/patio/outdoor shower/shed, dining room, family room and half bath. Second floor has four bedrooms and full bath. Basement has partial finished basement with laundry room, full bathroom, and storage area. Many details to list.

Listed by Andrew Stout and Gregory Munro, Atlantic Properties

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

79 Forbes Hill Road Quincy MA 02170

Price$599,000

Est. Mortgage: $/month

Open House

MLS Number 72581836

  • Single Family
  • Next Open House: Sun 20th 12:00 pm - 2:00 pm
  • Garage 1
  • Parking Spaces 2
  • Year Built 1950

Great location! Modern Open Kitchen with granite counter top and S/S appliances open to dining area,Fireplace living room with hardwood floors out to screened in porch down to fenced in yard,Finished basement great for playroom.1 car attached garage,updated windows,Newer A/C units.Minutes to schools,restaurants,golf course and Wollaston T. First showings Open House Sunday 20th 12-2.

Listed by Robert Mcauliffe, Duhallow Real Estate

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

1214 Brook Road Milton MA 02186

Price$649,000

Est. Mortgage: $/month

Open House

MLS Number 72581204

  • Single Family
  • Next Open House: Sat 19th 12:00 pm - 1:30 pm
  • Garage 1
  • Parking Spaces 1
  • Village East Milton

Some houses are much more than just four walls. Never on the market since its debut in 1941, this spacious side entrance colonial has a sense of history. Lovingly maintained by one family, the solid construction is a nice pairing with today's modern upgrades. The flow is appealing with an across the front fireplaced living room, accommodating dining room & screened porch. A new kitchen w/gray cabinetry, Carrara countertops & upgraded stainless appliances is very well done. The knotty pine office w/bookshelves and renovated half bath round out the main floor. Upstairs you'll find FOUR real bedrooms & a retro chic original full bath that awaits your appreciation or own design ideas. Further expansion possibilities via the sizable walk-up attic or basement level w/very high ceilings. Newer systems: high efficiency gas heating, 2nd fl. central air & new roof. Walkable to the Square, schools & minutes to the expressway.Visit this wonderful and cherished home & love where you live!

Listed by Mary Beth Grant, Coldwell Banker Residential Brokerage - Milton - Adams St.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

46-R Vernon Street Waltham MA 02453

Price$649,900

Est. Mortgage: $/month

MLS Number 72545133

  • Single Family
  • Parking Spaces 3
  • Year Built 1930
  • Full Bath 2
  • Bathroom 2

Newly Remodeled and Conveniently Located Spacious Colonial with Newer Roof, Windows, & Heating System! Enter into the enclosed front porch through the front door into the open foyer and staircase. First floor features a large front to back bright spacious living room with a gorgeous fireplace, large eat-in-kitchen with stainless steel appliances and granite counter tops, first floor bedroom/den with sliders, and a full tiled bath. Second floor features two oversized bedrooms. The master bedroom boasts a vaulted ceiling, large closets, ceiling fan, and recessed lighting. Third bedroom offers built in storage and recess lighting. Full Bath on the Second Floor with heated floor. Finished basement area and Parking for 3 cars off street and a large side yard area for relaxing or entertaining! Located close to Brandis University, public transportation, shopping, restaurants, and major routes.

Listed by The Ciavattieri Group, Keller Williams Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

45 Nelson Street Quincy MA 02169

Price$469,900

Est. Mortgage: $/month

MLS Number 72530558

  • Single Family
  • Parking Spaces 5
  • Year Built 1900
  • Full Bath 2
  • Bathroom 2

Set way back off the road sits this stunning single-family gem nestled in highly sought-after Quincy! Attention to detail manifested in the ultra-chick design of the gorgeous new Chef's kitchen, boasting premium silestone quartz counter tops, Samsung's signature line of stainless steel appliances, & glass backsplash. Other features comprise recessed & pendulum light fixtures in kitchen, updated walls & windows, recently-installed hardwood floors throughout, newly-tiled kitchen floor, bonus room could be used as a generous pantry. Other amenities: Smart Nest thermostat, some rooms w/ moulding, in-unit washer/dryer hookups, mud room, front deck overlooking the sprawling front lawn, updated 200-amp electrical panel & gas heating system by forced hot air (ready for central air). Area amenities feature easy highway access (Rte. 3, I-90, I-93, I-95), close proximity to historic downtown Quincy, public transit (Red Line), BJ's, Home Depot, Barnes & Noble, South Shore Plaza & Wollaston Beach.

Listed by The Junior & Vivian Team, Landmark Unlimited Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

78 Bradford Street Everett MA 02149

Price$494,123

Est. Mortgage: $/month

Open House

MLS Number 72489824

  • Single Family
  • Next Open House: Sat 19th 1:00 pm - 2:30 pm
  • Parking Spaces 3
  • Year Built 1900
  • Full Bath 1

Back on Market due to buyers failed financing.Well maintained 8 room 5 bedroom single family home.Features include nice Eat in cabinet kitchen with dishwasher,disposal, stainless steel refrigerator and electric stove, Open dining and living room with ceiling fans.Second floor has 3 bedrooms and a full bath.3rd floor has 2 bedrooms.Beautifully landscaped yard enclosed with a deck and above ground pool. driveway for 3 cars. convenient location.Open house Saturday Oct 19th Ffm 1-2:30

Listed by Pat Roberto, ERA Millennium

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

29 Keyes Street Quincy MA 02169

Price$339,900

Est. Mortgage: $/month

MLS Number 72556509

  • Single Family
  • Parking Spaces 1
  • Year Built 1945
  • Full Bath 1
  • Bathroom 1

Affordable attached single family home with newer kitchen, windows, deck and hardwood flooring throughout. 2 bed and 1 bath on the 2nd floor and full basement for storage.

Listed by Wai Yi Sammi Ng, eXp Realty

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

230 Beal Road Waltham MA 02453

Price$629,900

Est. Mortgage: $/month

Open House

MLS Number 72581373

  • Single Family
  • Next Open House: Sun 20th 12:00 pm - 2:00 pm
  • Garage 1
  • Parking Spaces 2
  • Village Warrendale

Bright, sunny and lovingly maintained three of four bedroom cape style home in the Heart of Warrendale! Fireplaced living room accessing an office with exposed brick. Newer roof, air conditioning and gas heating. Generous dining room with access to large deck...overlooking large, fenced, private yard with an irrigation system and a good sized shed. Beautifully landscaped. One car garage and off street parking. Finished basement with laundry and half bath. Easy walk to school, park and transportation.

Listed by Glenna Gelineau, Gelineau & Associates, R.E.

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

11 Montview Avenue Waltham MA 02451

Price$545,000

Est. Mortgage: $/month

Open House

MLS Number 72581450

  • Single Family
  • Next Open House: Sat 19th 12:00 pm - 1:30 pm
  • Garage 1
  • Parking Spaces 1
  • Year Built 1950

Picture perfect fully dormered Cape in awesome Lakeview neighborhood. This lovely home consists of three bedrooms and two full baths. You walk through the front door to the cozy family room filled with lots of natural light and gleaming hard wood floors. Enjoy hosting dinners in your large formal dining room that is open to the kitchen with ample cabinets and counter space. The first floor also has a great sized bedroom. Go upstairs to find the "king bed" sized master bedroom with double closets, the third bedroom (both with new hardwood floors) and another full bath. There is plenty of room for storage and a bonus room (waiting for finishing) in the basement. This home has a brand new fence around the yard and a one-car garage with an additional space in the driveway. All of this in a convenient location near shopping, schools, walking trails and the highway. Heat 2010, HW Heater 2016, roof(s) 2009/2012. This adorable home will certainly surprise you with it's spacious feel and flow.

Listed by Melissa Maniatis, Coldwell Banker Residential Brokerage - Belmont

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Virtual TourSave FavoriteSchedule A VisitAsk A QuestionMore Details

18 Fisher Terrace Woburn MA 01801

Price$448,000

Est. Mortgage: $/month

Open House

MLS Number 72581487

  • Single Family
  • Next Open House: Sat 19th 12:00 pm - 2:00 pm
  • Parking Spaces 2
  • Year Built 1960
  • Full Bath 1

This lovely classic New England Colonial, with a modern/traditional flair, offers 3 bedrooms and 1.5 baths. Life is simplified with a sunlit updated kitchen with white cabinetry, accented with newer state of the art stainless steel appliances and a convenient bar counter. Warm hardwood flooring throughout most of the home. Expansive family room for entertaining, off kitchen area. Living room accented with bay window and brick fireplace with white mantel for cozy warm nights. Dining room offers built in traditional china cabinet with glass. This home sits on a cul-de-sac lot, with a beautiful level yard, for seasonal enjoyment. New roof and siding on house. This turn key home is conveniently located abutting highway Interstate 95 aka route 128 and around the corner from route 38 and 93. Great access to Boston. Showings begin immediately!

Listed by Tony Mallozzi, Anthony Joseph Real Estate LLC

$
$
%
$/month over payments
Federal 30-year interest rate: 3.69% last updated on Oct 17, 2019
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.

Save FavoriteSchedule A VisitAsk A QuestionMore Details

The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.