{"id":6434,"date":"2025-04-07T16:28:26","date_gmt":"2025-04-07T20:28:26","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6434"},"modified":"2025-04-07T16:28:30","modified_gmt":"2025-04-07T20:28:30","slug":"home-affordability-news-bostons-new-co-buying-experiment","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/home-affordability-news-bostons-new-co-buying-experiment\/","title":{"rendered":"Home Affordability News: Boston\u2019s New Co-Buying Experiment"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1430\" height=\"855\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/boston-co-buying-real-estate-experiment.webp\" alt=\"\" class=\"wp-image-6435\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/boston-co-buying-real-estate-experiment.webp 1430w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/boston-co-buying-real-estate-experiment-300x179.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/boston-co-buying-real-estate-experiment-1024x612.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/boston-co-buying-real-estate-experiment-768x459.webp 768w\" sizes=\"auto, (max-width: 1430px) 100vw, 1430px\" \/><\/figure>\n\n\n\n<p>Usually, when we hear the word <em>multifamily<\/em>, we\u2019re hearing a financial buzzword. Investors buy multiple-unit homes to profit from renters.<\/p>\n\n\n\n<p>But now in Boston, a multifamily housing concept lets hopeful <a href=\"https:\/\/www.deeds.com\/articles\/first-time-home-buyer-pro-tips\/\">first-time home buyers<\/a>&nbsp;put their funds together, move on from rental situations, and get their own deeds.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Strength in Numbers<\/h2>\n\n\n\n<p>Mayor Michelle Wu\u2019s <em>2025 State of the City Address<\/em> revealed a plan to enhance access to property deeds in Boston: help them co-buy.<\/p>\n\n\n\n<p>Why can\u2019t they buy on their own? Here\u2019s the thing. A household with Boston\u2019s median income ($106K) can afford to finance a $500K home. But almost <a href=\"https:\/\/www.boston.gov\/departments\/housing\/co-purchasing-housing-pilot-program\" target=\"_blank\" rel=\"noreferrer noopener\">90% of listed homes are priced <em>over <\/em>$500K<\/a>.<\/p>\n\n\n\n<p>This is where we are. The Boston market is frustrating even the people with six-figure incomes.<\/p>\n\n\n\n<p>Mayor Wu explains that city residents suffer from \u201cbarriers for middle-income families, particularly those from historically marginalized communities.\u201d How can people who need homes compete, in a market crowded by wealthy investors that see people as fodder for their own continued enrichment? &nbsp;<\/p>\n\n\n\n<p>So, Boston\u2019s new <em>Co-Purchasing Housing Pilot Program<\/em> is meant to make hopeful buyers into a force to be reckoned with, as they find strength in numbers. &nbsp;<\/p>\n\n\n\n<p>Helpfully, Boston\u2019s architecture lends itself to the idea. Many buildings have three floors, with residences on each one. Together, two or three families can buy a multi-condo building. &nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nuts and Bolts<\/h2>\n\n\n\n<p>Running the co-buying pilot program are two departments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Boston\u2019s <strong>Housing Innovation Lab<\/strong> \u201ctests new approaches to housing policy, programs, and design\u201d for the purpose of increasing housing opportunities in the city.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The <strong>Boston Home Center<\/strong> is part of the Mayor\u2019s Office of Housing. Its mission is \u201cHelping Boston residents buy, improve, and keep their homes.&#8221;<\/li>\n<\/ul>\n\n\n\n<p>The Home Center will lend each of the co-buyers up to 5% of what they put in. The interest-free loans, meant to assist with down payments and closing costs, are forgivable.<\/p>\n\n\n\n<p>And each applicant may choose their preferred lender to get a mortgage approval. They can go with government-backed (like FHA) or conventional (Fannie Mae or Freddie Mac) loans, or other loans if the city agrees. The lending partners include MEP Loans, Citizens Bank, Prime Lending, Salem Five Mortgage Company, and the NewFed Mortgage Group.<\/p>\n\n\n\n<p>To sum it up: Applicants are first-time buyers who are willing to own together. All participants sign a co-ownership agreement. Applicants qualify individually for their loans. But they pool their financial resources to acquire their deeds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Leaders and Lenders<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"1025\" height=\"683\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/the-leaders-and-lenders.webp\" alt=\"\" class=\"wp-image-6436\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/the-leaders-and-lenders.webp 1025w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/the-leaders-and-lenders-300x200.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/04\/the-leaders-and-lenders-768x512.webp 768w\" sizes=\"auto, (max-width: 1025px) 100vw, 1025px\" \/><\/figure>\n\n\n\n<p>Jessica Ingram-Bee is a real estate agent (with Gibson Sotheby\u2019s International Realty) and keen co-buying organizer. As a central coordinator of this project, Ingram-Bee points to the economic empowerment in co-buying, and how it literally brings people together to form communities. Ingram-Bee points to co-buyers who plan get-togethers and help maintain safety for each other\u2019s children.<\/p>\n\n\n\n<p>The lenders are strengthened, too. They forge ties with local households, and gain the goodwill of those they serve and those who read about their involvement. In a press release, leaders of the partner banks gave the following reasons for joining the collaboration:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One financial leader expressed an interest in helping Boston households \u201cobtain their dream of homeownership\u201d and \u201cpromote more owner-occupied homes to families who might not have been able to afford them.\u201d<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One praised the Mayor\u2019s housing officials for the \u201ccreative way to generate more equity in the Boston real estate market.\u201d<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One participant observed that plenty of households are ready and able to pay monthly mortgage costs. But home prices have risen so sharply that getting a down payment together is harder than it should be. These households just need an initial boost.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One said Boston was once a city where multi-generational families would \u201clive under one roof and split expenses\u201d until the younger generations had saved up to strike out on their own. The co-buying initiative would \u201chelp bring those core values back to the city.\u201d<\/li>\n<\/ul>\n\n\n\n<p>Some financial folks paint quite the rosy gloss on the matter of fading affordability. But hey! They\u2019re in.<\/p>\n\n\n\n<p>Ingram-Bee helped the city create a guide for applicants to understand the lending, find additional resources, and decide if they should become participants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bridging the Gap<\/h2>\n\n\n\n<p>Boston\u2019s new co-buying initiative could help lessen the <a href=\"https:\/\/www.deeds.com\/articles\/the-struggle-continues-deed-equity-means-closing-the-racial-wealth-gap\/\">racial wealth gap<\/a>, in a nation where Black and Hispanic homeownership rates have struggled to reach 50%.<\/p>\n\n\n\n<p>Some hopeful but struggling buyers seek out down payment assistance, but that\u2019s typically hard to get because the income limits are so low. Usually, you have to be earning below 80% of the area median to get in. Many would-be deed holders make enough money to comfortably pay a mortgage \u2014 but the criteria for loan approvals are just too tight for them to get the start they need. And they don\u2019t come from generational wealth. So they\u2019re left spending their savings on rent.<\/p>\n\n\n\n<p>With the co-buying program, you can be making above the area\u2019s median income and still qualify for city funding, in the amount of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to $50K for households earning up to\u00a0100% of the area median Income.<\/li>\n\n\n\n<li>Up to $35K for households earning up to\u00a0135% of the median.<\/li>\n<\/ul>\n\n\n\n<p>This way, the initiative helps people do together what they\u2019ve been unable to do individually.<\/p>\n\n\n\n<p>Are there any catches? No, but there are a few basic rules. Applicants do need to complete a home buying course. And they must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Be first-time buyers.<\/li>\n\n\n\n<li>Pitch in 1.5% or more of their own money for their share of the home price.<\/li>\n\n\n\n<li>Hold under $100K in liquid assets \u2014 although if they have government-sponsored retirement accounts, those won\u2019t count in the limit.<\/li>\n<\/ul>\n\n\n\n<p>All participants agree, of course, that they\u2019re buying their home to live in it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">On the Right Track<\/h2>\n\n\n\n<p>Mayor Wu\u2019s administration has become a housing role model. It\u2019s already helped hundreds of Bostonians break free from the cycle through a variety of homeownership initiatives, such as the One+ Boston mortgage. Boston has managed to create 1,800+ new units of affordable housing over the past two years.<\/p>\n\n\n\n<p>And now there\u2019s the co-buyer model. \u201cThis model not only helps people afford a home,\u201d says Jessica Ingram-Bee, \u201cbut also fosters a sense of community and mutual support.\u201d<\/p>\n\n\n\n<p>Ingram-Bee adds: \u201cThat is so needed in today\u2019s world.\u201d<\/p>\n\n\n\n<p>We may be seeing more of this as other cities take note. Meanwhile, if the market is derailing your dreams, Boston offers an example of how to strategize. Co-buying a building as a group could be one way to get those dreams back on track.<\/p>\n\n\n\n<p>We offer more thoughts about this, including the details of holding a deed as co-owners, in our guide to <a href=\"https:\/\/www.deeds.com\/articles\/owning-property-in-unequal-shares-as-tenants-in-common\/\">co-buying a property as tenants in common<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p>City of Boston, Mayor Michelle Wu, via <em>Boston.gov<\/em>: <a href=\"https:\/\/www.boston.gov\/news\/co-purchasing-housing-pilot-program-launched\" target=\"_blank\" rel=\"noreferrer noopener\">Co-Purchasing Housing Pilot Program Launched<\/a> (updated Apr. 2, 2025). \u00a0<\/p>\n\n\n\n<p>City of Boston, Mayor Michelle Wu, via <em>Boston.gov<\/em>: <a href=\"https:\/\/www.boston.gov\/departments\/housing\/housing-innovation-lab\" target=\"_blank\" rel=\"noreferrer noopener\">Housing Innovation Lab<\/a>.<\/p>\n\n\n\n<p>City of Boston, Mayor Michelle Wu, via <em>Boston.gov<\/em>: <a href=\"https:\/\/www.boston.gov\/departments\/housing\/boston-home-center\" target=\"_blank\" rel=\"noreferrer noopener\">Boston Home Center<\/a>.<\/p>\n\n\n\n<p>Becca Logue for Gibson Sotheby&#8217;s International Realty: <a href=\"https:\/\/gibsonsothebysrealty.blog\/2025\/03\/21\/jessica-ingram-bee-of-gibson-sothebys-international-realty-helps-city-of-boston-launch-co-purchasing-housing-pilot-program\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jessica Ingram-Bee of Gibson Sotheby\u2019s International Realty Helps City of Boston Launch Co-Purchasing Housing Pilot Program<\/a> (Mar. 21, 2025).<\/p>\n\n\n\n<p>And as linked.<\/p>\n\n\n\n<p><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/owning-property-in-unequal-shares-as-tenants-in-common\/\">Buying a home in unequal shares<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/here-come-the-tenants-in-common\/\">Co-buying to afford Los Angeles real estate<\/a><\/p>\n\n\n\n<p>Photo credits: <a href=\"https:\/\/commons.wikimedia.org\/wiki\/File:It%27s_Boston_City_Councilor_At-Large_Michelle_Wu_@wutrain_at_the_-DorchesterDay_Parade_%2818733700962%29.jpg\" target=\"_blank\" rel=\"noreferrer noopener\">Dale Cruse<\/a>, via Flickr \/ Wikimedia Commons, under <a href=\"https:\/\/creativecommons.org\/licenses\/by\/2.0\/\" target=\"_blank\" rel=\"noreferrer noopener\">CC BY-SA 2.0<\/a>; and <a href=\"https:\/\/www.pexels.com\/photo\/architectural-photography-of-red-and-brown-house-3397975\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jayden Burdick<\/a>, via Pexels \/ Canva.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Usually, when we hear the word multifamily, we\u2019re hearing a financial buzzword. Investors buy multiple-unit homes to profit from renters. But now in Boston, a multifamily housing concept lets hopeful first-time home buyers&nbsp;put their funds together, move on from rental situations, and get their own deeds.<\/p>\n","protected":false},"author":2,"featured_media":6435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131],"tags":[2322,2319,2317,2320,467,1401,2321,2318,205,1741],"class_list":["post-6434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-affordable-housing-programs","tag-boston-housing-market","tag-boston-real-estate","tag-co-buying-homes","tag-first-time-homebuyers","tag-home-affordability","tag-housing-equity","tag-michelle-wu","tag-real-estate-innovation","tag-tenants-in-common"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Affordability News: Boston\u2019s New Co-Buying Experiment - Deeds.com<\/title>\n<meta name=\"description\" content=\"Boston&#039;s new Co-Buying Housing Pilot Program empowers first-time buyers to pool resources and afford homes together. 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