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The WFA 2.0 from MassHousing offer down payment assistance of up to $25,000 and other benefits to help first time home buyers in Massachusetts. The WFA 2.0 is available to first time home buyers who: Earn up to 80% of the area Median income (AMI) - income certification is required by MassHousing for total house hold income. Purchase a single family home, condominium or two family property in Massachusetts. A 0% interest rate down payment assistance loan. (0% annual percentage rate), on which payment is completely deferred until the earliest of: sale or transfer of your home, payoff or refinance of your first mortgage, or maturity of the first mortgage, at which time the balance is due in full. For more information about this and other MassHousing programs go to www.MassHousing.com or call me at (617) 312 9744 Carlos Moreno NMLS ID # 1184356