A Home for the Brave Program This Massachusetts down payment program is for – veterans of the U.S. armed services and active duty military get an affordable mortgage with a low Massachusetts down payment. Spouses of soldiers, sailors or Marines killed in active duty also are eligible. Massachusetts borrowers do not have to be first time home buyers, but they may not own more than one home upon closing. Financing of up to 97 percent is available for single family homes and condominiums. Financing of 95 percent is available for two , three and four family homes. Closing cost assistance also is available. In addition, grants from the Veterans Administration are available for disabled veterans who need to make accessibility upgrades.