Worker Advantage Program

What is Worker Advantage Program?

Worker Advantage Program is a deferred second loan for homebuyers in Nevada, administered by Nevada Housing Division (NHD).

• The Worker Advantage Program, created under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025), provides $20,000 in down payment assistance to Nevada's essential workers in healthcare, education, public safety, and construction. The assistance is a no-interest, no-payment, non-forgivable 30-year second mortgage that can be applied to down payment/closing costs or used to buy down the interest rate by 2% or 4%. No first-time-buyer requirement, but applicants cannot have previously used Home Is Possible and cannot own other property.
• $20,000 in down payment assistance.
• 0% interest, no monthly payments.
• May be used for down payment/closing costs OR a permanent 2%/4% rate buydown.
• No first-time homebuyer requirement.
• Statewide availability.
• Available to repeat buyers in essential-worker professions.
• Funding comes from State funding under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025 Legislative Session); $18,000,000 total allocation to assist ~900 households.

How much assistance does it provide?

Worker Advantage Program offers up to $20,000 in assistance.

• Award tiers: Option 1: Apply full $20,000 toward down payment/closing costs. Option 2: Pay 2% or 4% discount points to permanently buy down the interest rate, with any remaining funds toward down payment/closing costs.
• Amounts are the program's published maximums, not an offer — Nevada Housing Division (NHD) determines any individual award.

Do you have to pay it back?

Worker Advantage Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Repayment is triggered by Repayable in full upon sale, transfer, satisfaction of the first mortgage, refinancing, or when the borrower ceases to occupy the property as primary residence; otherwise deferred for the 30-year term (never forgiven).
• The assistance is recorded in Second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Worker Advantage Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Worker Advantage Program limits household income to 150% of the area median income, which varies by county and household size.

• Household income up to 150% AMI; single limit applies to all household sizes per county: Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. Qualifying income includes borrowers, spouses, and all household members 18+ (related or unrelated).
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Worker Advantage Program caps the purchase price at $806,500.

• Eligible property types include Single Family, Condo, Townhouse, and Manufactured.
• New construction is eligible.
• Manufactured homes are eligible.

Is there eligibility for specific groups?

Worker Advantage Program names educators, law enforcement officers, firefighters, and healthcare workers among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Worker Advantage Program serves buyers purchasing anywhere in Nevada.

How do you apply?

Applications for Worker Advantage Program go through Nevada Housing Division (NHD), which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Each borrower (anyone on note/deed, including NPS on title) must complete approved homebuyer education: NHD/Freddie Mac CreditSmart, Community Services of Nevada, Chicanos Por La Causa, Fannie Mae HomeView, Framework, Money Management International, Neighborhood Housing Services of Southern Nevada, or other HUD-approved agencies..

2. 2

   Contact Nevada Housing Division (NHD) to reserve funds

   Funds are reserved through eHousingPlus eHPortal (first-come, first-served revolving pool); reserved through Home Is Possible certified lenders., and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.