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Healey unveils housing push: ADU downloads, $25,000 down-payment expansion and faster approvals

Joint Convention of the Massachusetts Legislature · January 22, 2026
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Summary

In her 2026 State of the Commonwealth address, Governor Maura Healey proposed speeding approvals, converting state property to housing, promoting accessory dwelling units with downloadable designs and low-cost financing, and expanding a $25,000 down-payment assistance program to help middle-income families and recent grads afford homes.

Governor Maura Healey told a joint convention of the Massachusetts Legislature that lowering housing costs is central to her administration’s affordability agenda, and she outlined a multi-pronged strategy to speed housing production and help families buy homes.

"We're gonna build more and build faster," Healey said, announcing changes intended to shorten environmental approvals "down to 30 days," convert unused state properties into housing, and turn empty downtown offices into apartments. She highlighted accessory dwelling units, or ADUs, as a quick way to add units, saying residents would soon be able to "download your ADU design of choice" and access low-cost financing to build them.

Healey said the state has set long-term targets — citing experts' estimate of 220,000 homes needed by 2035 — and pledged Massachusetts will "beat it," noting that in three years the administration counts roughly 100,000 homes "going, built, permitted, or under construction." She also said the administration will expand a program that provides $25,000 for a family's down payment and expand another program to lower mortgage interest rates.

The governor framed the housing measures as part of a broader affordability push intended to keep teachers, nurses and recent graduates in the state. She urged legislative cooperation to implement the proposals quickly and emphasized financing and streamlined approvals as central tools.

The address did not include statutory citations or a bill number for the ADU design/financing program; Healey said the administration would make designs and financing available "in a matter of weeks." The governor also said the state would continue banning brokerage fees for renters and would double support to help seniors with housing costs.

The speech set a procedural expectation rather than a formal legislative action: Healey asked the Legislature to act on the administration’s proposals during the session that follows.