Under M.G.L. c. 188, every Massachusetts owner-occupant gets $125,000 of automatic homestead protection. Recording a declaration of homestead at the Registry of Deeds raises it to $1,000,000.
Before you sign a Purchase and Sale Agreement on a Massachusetts home built before 1978, you must get the Property Transfer Lead Paint Notification. You then have at least 10 days to get a lead inspection.
MassHousing offers income-eligible first-time homebuyers down payment assistance of up to $30,000, paired with a MassHousing mortgage, in every Massachusetts city and town. Homebuyer education is required.
Massachusetts home sales usually have two contracts: the Offer to Purchase and the Purchase and Sale Agreement. A signed offer can be binding on its own, so read it before you sign.
Massachusetts has no mandatory statewide seller disclosure form. Sellers still owe the lead paint notification, Title 5 reports and honest answers, and agents must disclose known material defects.
Selling a home after decades, or after a death, adds steps. In Massachusetts a personal representative may need a court license to sell, and the usual Title 5, smoke and CO, and lead paint rules still apply.
When you sell a Massachusetts home, the local fire department inspects the smoke and carbon monoxide alarms and issues a certificate of compliance. Book it once you have a closing date.
Most Massachusetts home sales with a septic system need a Title 5 inspection done within two years before the sale, by a MassDEP-approved inspector. Some family transfers are exempt.