Dc Home Buying Programs Access

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

: Payments are deferred for five years, followed by a 40-year principal-only repayment period. dc home buying programs

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

: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan. : Up to $202,000 for a down payment

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

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) .

: Minimum credit score of 630 and completion of a HUD-approved homebuyer education course. The Flexible Alternative: DC Open Doors