Down Payment & Closing Cost Program

Down Payment & Closing Cost Program


“The county HOME Loan Program helped me buy a home on Cape Cod, where I was born and raised.”

Bill O'Neill

As of August 2018, Funding for the Down Payment and Closing Cost Program has been depleted and is no longer available

You May Qualify For A No-Payment 0% Interest Loan Of Up To $20,000 if

  • You are a first-time homebuyer.
  • Meet income and other eligibility guidelines. See table below. 
  • You are buying a house in Barnstable County.
  • Need additional funds to meet down payment and closing costs.
  • You have an accepted Offer to Purchase for the home you want to buy
  • The maximum purchase price limit for a single family home or condo is $318,000
  • The total of the mortgage plus this loan cannot exceed 103% of the appraised value of the home
  • For additional requirements regarding lead paint, please contact Joan Maney at  for further information on houses built before 1978.
  • Maximum 2018 Income Guidelines determined by HUD. Eligible applicants are at or below 80% of the Area Median Income (AMI) of Barnstable County. Assets must be no more than $75,000.

Household size






80% of AMI


$55,200 $62,100 $68,000 $73,450 $78,900

For more detailed information and further loan terms, please contact the program administrator: Joan Maney at 508-771-5400, ext. 283 or

LENDERSClick on this link for more information on the down payment program.

APPLICANTS: Click Steps to Home for more information on the down payment program. For more important details click here: Barnstable County HOME Downpayment Closing Cost Loan Program

When you have an accepted offer on the home that you want to buy you can fill out an application. 

Down Payment & Closing Cost Application

The HOME Program is a first-come, first-served program that is funded by the Barnstable County Home Consortium and the Cape Cod Commission. It is administered through Housing Assistance Corporation. Funds are not reserved until the applicant has been certified eligible and the appropriate paperwork has been received from your lender.  This program is contingent on availability of funds.