HPAP is the cornerstone of D.C.’s housing assistance, providing "gap financing" for low- to moderate-income residents.
: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household. 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. HPAP is the cornerstone of D
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) . The balance is due only when the home
: 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 .
: Payments are deferred for five years, followed by a 40-year principal-only repayment period.
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.