The homeownership benefit built for payroll.
HomeSavings Plans are the first tax-advantaged, payroll-integrated savings benefit for first-time homebuyers — think of it as a 401(k) for buying a first home. Backed by federal legislation, patent-pending technology, and zero direct competitors.
The real barrier to homeownership isn't the down payment.
Buyers spend years saving for a down payment — then get blindsided at the closing table by $6,000–$15,000 in costs no one warned them about. Down payment assistance programs exist. No employer benefit covers the actual cost of closing on a home.
HomeSavings Plans close that gap — and they run on the payroll infrastructure your platform already operates.
The median first-time homebuyer is now 40 — an all-time high. Buyers aren't failing underwriting. They're failing on savings velocity. HSPs are the only payroll benefit built to solve it.
Think of it as an HSA for buying a first home.
HomeSavings Plans give employees a dedicated account for their first home purchase — funded automatically through the same payroll-deduction rails your platform already runs for 401(k), FSA, and HSA.
A dedicated home account
An FDIC-insured account built only for homeownership — separate from general savings, and impossible to confuse with any other goal.
Payroll-integrated, pre-tax
Contributions flow pre-tax from every paycheck through the same deduction infrastructure that powers 401(k) and FSA today — no new plumbing to build.
Purpose-built for closing
Funds are designated for down payments, closing costs, and home-start allowances — the exact expenses that stop buyers at the finish line. Family can contribute too, up to a $40,000 lifetime cap.
From integration to impact, in three steps.
Payroll providers integrate
Your platform adds HSP as a benefit option, using the same deduction rails that already power 401(k) and FSA flows. We provide the API spec and integration support.
Employers activate
HR and benefits leaders switch HSPs on for their workforce — using the co-branded materials and activation playbook Six Pillar hands over, ready to deploy.
Employees start saving
Employees open an HSP, set a home goal, and build toward their first purchase — with automatic pre-tax contributions every pay period.
Own a category before it exists.
HSPs plug into payroll infrastructure the same way you handle 401(k) and FSA today. Be the first platform to offer a homeownership savings benefit — and define the category before competitors can respond.
- First-mover advantage. No payroll platform offers a dedicated homeownership benefit yet. Early integrators define the standard.
- Sticky, embedded infrastructure. Once live, HSPs become part of the payroll stack — with real switching costs that compound over time.
- New recurring revenue per account. Per-account fees generate revenue alongside your existing benefit offerings — a new line, not a cost center.
- We handle activation. Six Pillar provides co-branded employer materials, employee onboarding, and a full activation playbook. Your team stays focused on the integration, not the rollout.
What's in the Partner Kit
Everything your product, revenue, and compliance teams need to evaluate and move fast.
- API & integration briefFull overview, spec summary, and technical requirements for your product and engineering teams.
- Employer activation playbookPre-built onboarding and co-branded employee materials so you can activate clients the day integration goes live.
- ROI & revenue modelPer-account projections, market sizing, and employer adoption modeling — built for your business case.
- Legislative & compliance briefThe Home Savings Plan Act, sponsor-bank structure, and FDIC coverage — for your legal and compliance review.
Attract top talent
Offer a benefit your competitors don't have yet — one that resonates with the generation navigating the housing crisis right now.
Improve retention
Employees with a clear path to homeownership stay longer. An HSP shows you're invested in their future — not just their paycheck.
Zero admin burden
No new systems to manage. HSPs run through your existing payroll provider — Six Pillar handles onboarding, education, and support.
Automatic payroll savings
Contributions flow from every paycheck into a dedicated home account — no manual transfers, no forgotten deposits. Saving on autopilot.
Give your people a real path to a first home.
Offering a HomeSavings Plan is how forward-thinking employers help their workforce actually afford to buy — not just save vaguely toward it. It's the benefit they'll remember at review time, referral time, and offer-acceptance time.
HSPs activate through your payroll provider as integrations go live. Add your company to the employer interest list now.
Our foundation. Your future.
Tell us where you sit and we'll send the right materials within one business day — no sales pressure, just the brief your team needs to evaluate HSPs.
- Integration overview & API spec summary
- Employer activation playbook & co-branded materials
- ROI model & per-account revenue projections
- Legislative & compliance brief for legal review
Get the HSP Partner Kit
Sent within one business day. No obligation.
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