Affordable & Fair Housing

Emergency Housing Assistance 

Residential Assistance for Families in Transition (RAFT) is a short-term financial assistance to low-income families, couples, and individuals who falling behind on their housing payments or are at risk of becoming homelessThis program is funded by the Department of Housing and Community Development (DHCD) and can pay for moving cost assistance, rent, utility arrears, rental stipends, mortgage arrears, and utility bills. The income limits are up to 50% of Area Median Income (AMI). For more information and to make an appointment at the Northampton office, go to Way Finders website.

DHCD is funding other resources administered by Way Finders, such as the Emergency Rental and Mortgage Assistance Program (ERMA) for renters, homeowners, and landlords to help them through payments of mortgages and rents during the Covid-19 pandemic. The income limit for that program is between 50-80% AMI. For more information, see Way Finders website

DHCD also has a list of resources for landlords during this time that can be viewed on their website.

First Time Homebuyers and Homeownership Services 

Valley Community Development Corporation (CDC) is funded by a CDBG grant 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. 

Housing Rehabilitation 

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

If interested in applying, please contact the Pioneer Valley Planning Commission (PVPC) Housing Coordinator Shirley Stephens at (413) 781-6045 for a pre-application form to establish your interest. If determined to be eligible, you will be placed on a list for assistance.  Assistance will be on a “first come first serve” basis to fully qualified applicants. If needed, a wait list will be established.

Northampton Latest Affordable Housing Developments 

The Hampshire Property Management Group has eight affordable homes being offered for sale to income-eligible families. Two homes on Emerson Way are currently under construction with expected occupancy in December 2020. Construction on the first two of the six homes on Burts Pit Road will start in fall 2020 with occupancy expected in summer 2021. For marketing materials, see their project page.

The Community Builders has been developing 35 Village Hill, Northampton’s newest mixed-income, affordable apartment community. See their website for floor plans and applications.

Fair Housing 

The City has various programs to ensure affordable and fair housing. The current analysis of Fair Housing was completed in 2019 and can be found at: Unlocking Opportunity: An Assessment of Barriers to Fair Housing in Northampton (2019) Northampton residents who wish to address the issues identified in this assessment are encouraged to attend the Northampton Housing Partnership meetings held on the first Monday of every month.

MassLegalHelp is a great resource to educate and support people who are searching for housing, facing foreclosure or eviction, or are experiencing homelessness. Other resources on their site include tenants rights, housing discrimination, and checklists for tenants before a move-in. A by topic list of laws in Massachusetts regarding renters, homeowners, foreclosures, evictions, and many other topics can be viewed on the website.