: Payments are deferred for five years, followed by a 40-year principal-only repayment period.
: Offers a Down Payment Assistance Loan (DPAL) covering up to 3% or 3.5% of the purchase price. Key Advantage : Open to both first-time and repeat buyers .
: Typically requires a minimum credit score of 640. For Public Servants: EAHP and DC4ME dc home buying programs
: No monthly payments are required. The balance is due only when the home is sold, refinanced for equity, or ceases to be a primary residence.
For those who exceed HPAP income limits or need a faster process, DC Open Doors is a highly accessible option through the D.C. Housing Finance Agency (DCHFA) . : Payments are deferred for five years, followed
: Must be a first-time homebuyer (no ownership in 3 years), a D.C. resident (priority given), and meet income limits based on household size.
HPAP is the cornerstone of D.C.’s housing assistance, providing "gap financing" for low- to moderate-income residents. : Typically requires a minimum credit score of 640
Washington, D.C. offers some of the most robust homebuyer assistance programs in the country, designed to make the District’s competitive market more accessible. Whether you are a first-time buyer, a local government employee, or just looking to reduce your closing costs, there is likely a program for you.