Affordable Home Ownership Opportunities

The Westford Housing Authority (WHA) contracts with the Town of Westford to provide services related to the purchase and rental of affordable units within the Town.

The WHA serves as the one-stop affordable housing resource for the Town of Westford. By serving as Staff to the Affordable Housing Committee and the Affordable Housing Trust Fund, the Executive Director is able to coordinate and oversee many aspects of the affordable housing program in Westford. This allows interested parties to call one agency to get answers to their questions regarding the purchase/rental, re-sale or construction of affordable units. Residents seeking specific information may contact the Housing Authority by phone (978-692-6011) or at westfordhousing@westfordma.gov.

In addition to working with lottery agents to qualify first-time home buyers for newly constructed units in Westford, the WHA also acts as the long-term monitoring agent for all affordable units in Town. As the long-term monitoring agent, we are involved in assuring that homeowners of affordable units comply with all requirements laid out in their affordable deed restrictions, including the requirement to self-certify annually that their unit is their primary living arrangement.

The WHA is also the primary contact for owners of affordable units who are interested in re-financing/selling their homes or seeking permission for capital improvements. To help owners of affordable homes understand their obligations under their deed restrictions, the WHA has created an Information Packet for Affordable Homeowners. Please contact the Housing Authority at 978 692 6011 if you would like a copy of this document.

Eligibility Requirements for Newly Constructed Units

Eligible applicants must have a combined annual household income from all sources of not more than 80% of the area median income, as defined by HUD and adjusted for household size. According to the 2015 Income Guidelines, the maximum allowable household income is as follows:

Single Person Household: $46,100
Two Person Household: $52,650
Three Person Household:$59,250
Four Person Household: $65,800
Five Person Household: $71,100
Six Person Household:$76,350
Seven Person Household: $81,600
Eight Person Household: $86.900

Household assets shall not exceed $75,000.

Applicants must either be first-time homebuyers or cannot have owned a home in the past three years. Exceptions may be made for certain cases, including individuals who have owned a home with a spouse, are divorced or legally separated and do not currently own the home previously owned with the spouse.

Applicants must be pre-approved for a mortgage and must provide documentation to prove that they do not exceed the income limits. They must also have sufficient funds to cover down payment and closing costs.

Eligibility Requirements for Re-Sale Units

Sales prices for affordable units that are being re-sold are calculated using the deed restriction that is associated with each home. Prices will vary.

This program is on-going and is based on availability. Eligibility criteria for newly constructed units also applies to re-sales, although income limits may be adjusted according to criteria laid out in the deed restriction. Asset limits remain at $75,000.

The Housing Authority maintains a list of income-eligible buyers who will be offered the opportunity to purchase a unit that comes up for resale. Applicants must be preapproved for a mortgage and have sufficient funds to cover down payment and closing costs.

If you believe you qualify and would like to be placed on the list to be notified of an upcoming re-sale unit, please contact the Housing Authority at 978 692 6011 to request an Affordable Housing Re-Sale Application.