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.
: 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 . dc home buying programs
: 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.
: Payments are deferred for five years, followed by a 40-year principal-only repayment period. HPAP is the cornerstone of D
: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan.
D.C. incentivizes its government employees to live within the District through targeted perks. Key Advantage : Open to both first-time and repeat buyers
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) .