From educators to public safety officials, Nevada’s essential workers play a vital role in our communities. The Worker Advantage Program celebrates the contributions of these workers with downpayment assistance that can make their dream of homeownership a reality.

Program Benefits

• $20,000 in downpayment assistance in the form of a no-interest, no-payment, non-forgivable 30-year second mortgage
• Assistance can be used in one of the following ways:
  • Apply the full amount toward the down payment, or
  • Use the funds to buy down the principal loan’s interest rate. Any remaining funds can be used toward the down payment and/or closing costs.
• No first-time homebuyer requirement

Eligibility Requirements

• Must have employment in an “Essential Worker” category (see qualifying professions)
  • If there are multiple borrowers, only one borrower needs to meet this requirement
• Must be a Nevada resident for a minimum of 6 months
• Each borrower must complete a homebuyer education course before closing
• Household income up to 150% AMI (see income limits by county)
• Home price up to $832,750
• Minimum credit score 640 (660 for manufactured homes)
• Must meet all applicable Worker Advantage Program Guidelines and Ginnie Mae (FHA, VA, USDA-RD), Fannie Mae and Freddie Mac underwriting guidelines
• Must not be a previous Home Is Possible program user
• Must live in home as primary residence

Qualifying Professions

Income Limits