Massachusetts residents have access to federal grant programs plus state-administered programs funded by federal block grants, state appropriations, and partnerships with private foundations. This guide covers the most relevant 2026 programs by category.
Federal grants available in Massachusetts
Every federal grant available nationally is open to Massachusetts residents. The most commonly used include the Pell Grant (up to $7,580 in 2026–27), the FSEOG ($100–$4,000), the TEACH Grant ($4,000/yr), SBA loans and SBIR/STTR awards, FEMA disaster assistance, USDA Rural Development grants, and HUD-funded housing vouchers. Apply at the issuing agency or through grants.gov — there is no Massachusetts-specific step for federal programs.
State higher-education grants
MASSGrant is the state's largest need-based grant for undergraduates attending eligible Massachusetts colleges. MASSGrant Plus adds wraparound funds for the neediest students at public campuses. The Cash Grant helps with non-tuition costs at public institutions.
Apply by filing the FAFSA and, where required, the state's own aid application through the Massachusetts Office of Student Financial Assistance (OSFA). Massachusetts deadlines are typically earlier than the federal FAFSA deadline.
State-administered federal block grants
Many programs Californians and Texans think of as "state" grants begin as federal block grants. In Massachusetts, federal pass-through funds are administered by state agencies:
- LIHEAP (heating/cooling assistance) — apply through the Massachusetts Department of Human Services or equivalent
- WAP (Weatherization Assistance Program) — administered through the state energy office
- TANF (cash assistance for families with children) — county or state social services
- CCDF (child-care subsidies) — state child-care agency
- CDBG / HOME (community development and housing) — administered by the state department of housing or community affairs
- SNAP (food assistance) — state-administered USDA program
Housing assistance in Massachusetts
MassHousing offers down-payment assistance (up to $25,000 in eligible cities/towns), the ONE Mortgage program, and home-improvement loans. The Mass. Department of Housing and Livable Communities (EOHLC) administers Section 8 vouchers and CDBG-funded programs through local housing authorities. The state portal at mass.gov lists current programs and income limits.
Small-business support in Massachusetts
MGCC channels state grants and loans to small businesses, including the Empowering Small Business Grants that have targeted underserved owners. MassDevelopment funds manufacturing, real-estate, and capital projects. The state's SBDC network at UMass Amherst provides free counseling.
Disaster and emergency assistance
When the President declares a federal disaster in Massachusetts, FEMA Individual Assistance opens for affected households (grants for temporary housing, home repairs, and other serious needs not covered by insurance). The SBA Disaster Loan program funds homeowner, renter, and business recovery. Track current declarations at fema.gov/locations/massachusetts and dial 211 for local nonprofit and crisis assistance.
How to apply
- File the FAFSA at studentaid.gov — required for nearly every higher-education grant, federal or state.
- Apply for MASSGrant through Massachusetts Office of Student Financial Assistance (OSFA) (often via the FAFSA plus a state form).
- Apply for housing assistance through MassHousing or your local Public Housing Authority (PHA).
- For small business, contact your local SBDC or APEX Accelerator for free counseling and pre-screening.
- For energy or food assistance, apply through your county or Massachusetts state social-services office.
- For disaster aid, register with FEMA at disasterassistance.gov as soon as a declaration is issued.
There is no application fee for any legitimate government grant. Any service charging to "process," "expedite," or "guarantee" a federal or Massachusetts grant is a scam. Report scams to the FTC at reportfraud.ftc.gov.
Common questions
Where do I find the official Massachusetts grant portal? Start at the state portal mass.gov and navigate to the agency relevant to your need (higher education, housing, economic development, or human services). Each agency lists its current grant programs and application windows.
Are Massachusetts grants taxable? It depends on the program. Grants used for qualified educational expenses (tuition, required fees, books) are generally not taxable. Grants to for-profit businesses generally are. Disaster-relief grants from FEMA are generally not taxable. Consult a tax professional or IRS Publication 970 for the specific program.
What if my SBA loan or state grant application is denied? You typically have an appeal window. Your local SBDC can review the denial reason and help you reapply or pursue alternative financing. For federal programs, contact the agency's ombudsman. For state programs, the state agency's appeals process is published with the program rules.
Where do I report grant scams in Massachusetts? Report scams to the FTC and the Massachusetts Attorney General's office at https://www.mass.gov/orgs/office-of-attorney-general-andrea-joy-campbell.
State residency alone does not qualify you for any grant — every program has its own eligibility criteria. Apply early, especially for state higher-education grants, which often have deadlines earlier than the federal FAFSA deadline.