City of Salem First-Time Homebuyer Downpayment Assistance Loan Program (FTHB)

City of Salem First-Time Homebuyer Downpayment Assistance Loan Program (FTHB) is sponsored by City of Salem, OR. This program provides down payment assistance for first-time homebuyers in Salem, Oregon. Seniors who are first-time homebuyers in Salem may qualify.

Housing Programs | Salem, MA Planning & Community Development The City of Salem offers a number of services to address the community's housing needs, including rehabilitating our current housing stock, developing new housing opportunities, assisting families to acquire housing and enabling struggling families to remain in their homes. Housing Stability Resources Visit the Housing Stability Resources webpage .

View the Drop-In Hours flyer (PDF ). Visit the Neighborhood Stability Coordinator webpage . First-Time Homebuyer Down Payment Assistance Loan Programs Downpayment assistance is available for low- and moderate-income first-time homebuyers through the City of Salem's First-Time Homebuyer Downpayment Assistance Loan Program (FTHB).

The FTHB Program requires matching funds and can be used for properties in the City of Salem only. Homebuyers must meet eligibility requirements. Please note: First-Time Homebuyer applications require approximately six weeks for review and processing.

First-Time Homebuyer (FTHB) Forms FTHB Program Guidelines 2026 (Spanish) Revised 06. 03. 2026 (PDF) FTHB Program Guidelines 2026 (English) Revised 06.

08. 2026 (PDF) FTHB Application Checklist 2026 (Spanish) (PDF) FTHB Application Checklist 2026 (English) (PDF) FTHB Application 2026 (Spanish) (PDF) FTHB Application 2026 (English)(PDF) Housing Rehabilitation Loan Programs Please note that due to limited capacity, all requests for this program, including emergencies , are being placed on a waitlist for FY26.

Please complete and submit the pre-qualification form to be placed on the waitlist. Pre-Qualification Form 2026 (English) (PDF) Pre-Qualification Form 2026 (Spanish) (PDF) Owner-Occupied Loan Program Housing rehabilitation assistance is available to low- and moderate-income homeowners for 1- to 4-unit homes. Owner-Occupied Loan Program Forms Owner Occupied Guidelines (Spanish) Revised 06.

08. 2026 (PDF) Owner Occupied Guidelines 2026 (English) (PDF) HRP and GTLO Owner Application Checklist 2026 (Spanish) (PDF) HRP and GTLO Owner Application Checklist (English) (PDF) Housing Rehab Application (Spanish) 2026 (PDF) Housing Rehab Application 2026 (English) (PDF) Investor-Owned (Landlord) Loan Program Housing Rehab assistance is available to landlords with low- and moderate-income tenants in 1- to 7-unit properties.

Investor-Owned Loan Program Forms Investor Guidelines (Spanish) Revised 06. 10.

26 (PDF) Investor Checklist 2026 (English) (PDF) Investor Application 2026 (Spanish) (PDF) Investor Application 2026 (English) (PDF) Guidelines Brochure, Investor 2026 (Spanish) (PDF) Guidelines Brochure, Investor 2026 (English) (PDF) If you intend to improve tenant units in your owner-occupied property, these forms are also applicable: Tenant Checklist 2026 (Spanish) (PDF) Tenant Checklist 2026 (English) (PDF) Tenant Application Form 2026 (Spanish) (PDF) Tenant Application Form 2026 (English) (PDF) Are you a contracting firm that is interested in bidding on any of our housing rehabilitation projects?

Please review the information for contractors to see if your firm qualifies. Contractor Brochure (English) (PDF) Contractor Brochure (Spanish) (PDF) Contractor Application (English) (PDF) Contractor Application (Spanish) (PDF) Get the Lead Out Loan Program Salem has temporarily suspended the administration of this program. Please refer to the State site for a list of participating local rehabilitation agencies .

Affordable Accessory Dwelling Units Affordable Accessory Dwelling Units (ADUs) are allowed by right in Salem. Find facts about ADUs .

Affordable Accessory Dwelling Unit Tax Exemption On September 23, 2022, Governor Charlie Baker signed into law a special state act granting homeowners in Salem the option of exempting the value of an accessory dwelling unit (ADU) on their property from their property taxes, so long as they are renting the ADU, including utilities, for a monthly amount affordable for those at or below 70% of the area median income.

Currently, that means to qualify for the tax discount, the maximum rent and utilities for a studio ADU would be $1,417. 50 per month. For a one-bedroom it would be $1,538.

60, and for a two-bedroom, it would be $1,844. 50. Salem homeowners who may be eligible for this property tax exemption should contact the Assessor's Office at 978-619-5608.

Applications for the exemption must be submitted annually. Foreclosure Prevention, Predatory Lending & Legal Resources View a list of resources on foreclosure prevention, predatory lending, and legal resources . Visit the Essex County Bar Association/City of Salem Housing Stability webpage.

Fair Housing & Housing Discrimination View information on Fair Housing and what to do if you think you have been discriminated against.

In addition to the resources offered by the City, there are a number of other state, federal, and private programs available to help you address your housing needs: Affordable Properties for Sale or Rent Landlord Rights and Duties Housing Rehabilitation Assistance Lead-Based Paint Hazard Abatement Mass Access Housing Registry - a free online program that matches people with disabilities with accessible housing in the community.

MyMassHome is the official online listing and search tool for accessible and affordable homeownership opportunities in Massachusetts. Citizens' Housing and Planning Association (CHAPA) - Provides resources for people looking for housing, homebuyer education, and other affordable housing solutions. Housing Navigator MA is the official online listing and search tool for accessible and affordable rental homes in Massachusetts.

MassSave Energy Savings Programs MassSave is an initiative sponsored by Massachusetts' gas and electric utilities and energy efficiency service providers. The sponsors of MassSave work closely with the Massachusetts Department of Energy Resources to provide a wide range of services, incentives, trainings, and information promoting energy efficiency that help residents and businesses manage energy use and related costs.

Contact the Salem Housing Authority for information on subsidized housing. Government Websites by CivicPlus®