Workforce Advantage is available to first-time homebuyers who:

  • Earn up to 80% of the Area Median Income (AMI) - Income Certification required by MassHousing for Total Household Income
  • Purchase a single-family home, condominium, or 2- to 4-family property in Massachusetts

Workforce Advantage Details

Workforce Advantage includes:

  • An affordable, fixed rate MassHousing Mortgage
  • A $30,000 down payment assistance loan
  • Mortgage Insurance with MI Plus job loss protection, paid by MassHousing

Expanded Down Payment Assistance

Expanded down payment assistance (DPA) gives Workforce Advantage borrowers more buying power!

First-time homebuyers who are eligible for the Workforce Advantage Program can use down payment assistance of $30,000 to help cover their down payment and closing costs when purchasing a home in every city and town in Massachusetts.

Next Steps

Find a lender to work with.

Sign up for a homebuyer education class.

Questions about Workforce Advantage? Contact our HomeOwnership team at 888.843.6432 or