See programs you qualify for

DC Home Purchase Assistance Program (HPAP)

By Tyler Thompson · Licensed Real Estate Agent

Administered by:

DC Department of Housing and Community Development (DHCD)

· State · Deferred Loan

Funding status: Active

How much assistance

Up to $202,000 in gap financing plus up to $4,000 for closing costs, based on household income and size

Very low and low income households make no monthly payments. Moderate income households have payments deferred for the first 5 years, then pay principal only, amortized over 40 years, starting in year 6.

Eligibility

Income limits: FY 2026 table for loans closing after July 1, 2026, by household of 1 to 4: up to 50% MFI $58,150 to $83,050 ($202,000 max); 51% to 80% MFI up to $93,000 to $132,900 ($161,600 to $101,000 max); 81% to 110% MFI up to $127,900 to $182,700 ($80,800 to $70,000 max).
First-time buyer required: Yes — Head of household with no ownership interest in any residential real estate in the 3 years before application.
Geographic restrictions: Home must be in the District of Columbia and be the borrower's primary residence. DC residents get priority; non-resident applications are processed only when no resident applications are pending.
Homebuyer education required: No