Dc Home Buying Programs Today

: 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) . dc home buying programs

: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan. : No monthly payments are required

: 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 . Housing Finance Agency (DCHFA)

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.

: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household.

: Typically requires a minimum credit score of 640. For Public Servants: EAHP and DC4ME