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APG Federal Credit Union 80/20 Mortgage

APG Federal Credit Union

100% financing; up to 3% negotiated seller assistance allowed

Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.

Repayable loan

Locations listed in HomeBase: District of Columbia

This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.

How and when you repayYou repay an 80% first mortgage and a 20% piggyback second mortgage; the second loan replaces a cash down payment and is not free assistance.

Who can apply

About you

Be a first-time homebuyer under APGFCU underwriting.
Become an APGFCU member.
Receive credit approval for both mortgages.

The home

Buy an attached or detached single-family primary residence, including a condominium, in an eligible state.

The program makes the final eligibility decision.

Full requirements, documents, and history

Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history

Conditions

You must join APGFCU, qualify as a first-time homebuyer, obtain credit approval and use both APGFCU mortgage loans for an eligible attached or detached single-family primary residence, including a condominium.

Reader request

Want us to check this program?

Ask HomeBase to re-check APG Federal Credit Union 80/20 Mortgage’s current funding, operation, and key terms. Requests help us prioritize the queue; only evidence changes the listing.

What can I combine this with?

Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.

Show what stacks with APG Federal Credit Union 80/20 Mortgage(12 to check)

Worth asking about(12)

No published rule either way. One phone call settles it — and the answer can be worth thousands.

AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Albemarle County Homebuyer Assistance Program (ACHAP)Albemarle County Office of Housing / Piedmont Housing Alliance
A zero-interest, deferred-payment down-payment loan for eligible first-time buyers purchasing in Albemarle County.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Albemarle County Homebuyer Assistance Program (ACHAP).

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Alexandria Employee Homeownership Incentive ProgramCity of Alexandria Office of Housing
$15,000 up to 80% AMI; $11,500 at 80%-120% AMI; $7,500 above 120% AMI, subject to current limits.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Alexandria Employee Homeownership Incentive Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Allegany County Habitat for Humanity HomeownershipAllegany County Habitat for Humanity
Allegany County households with inadequate housing and the ability to make mortgage payments may apply to purchase a Habitat home and complete 200 sweat-equity hours. The affiliate currently provides a downloadable application and mail-in intake route.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Allegany County Habitat for Humanity Homeownership.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Annapolis MPDU Homeownership ProgramCity of Annapolis Office of Community Development
Qualified Annapolis residents and workers may obtain a certificate to compete for City-designated homes sold below the market price in participating developments.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Annapolis MPDU Homeownership Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Annapolis MPDU Settlement Expense Assistance ProgramCity of Annapolis
Need-based zero-interest loan up to $10,000 for an eligible MPDU purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Annapolis MPDU Settlement Expense Assistance Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Anne Arundel County MPDU Homeownership ProgramAnne Arundel County and Arundel Community Development Services
Eligible first-time buyers will be able to purchase designated homes in new Anne Arundel County developments at prices calculated below market under the County MPDU program.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Anne Arundel County MPDU Homeownership Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
AppCAA First-Time Homebuyer Loan and SPARC ProgramAppalachian Community Action and Development Agency
Nonprofit loan packaging for USDA 502 Direct financing and access to a one-percentage-point SPARC mortgage-rate reduction.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at AppCAA First-Time Homebuyer Loan and SPARC Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Arlington Moderate-Income Purchase Assistance Program (MIPAP)Arlington County Housing Division
An open 30-year, no-interest second mortgage of up to $112,500 for an eligible first-time Arlington buyer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Arlington Moderate-Income Purchase Assistance Program (MIPAP).

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Atlantic Union Bank STAR Portfolio Loan ProgramAtlantic Union Bank
A portfolio first mortgage for an eligible low- or moderate-income buyer or property, offering no mortgage insurance and up to 100% combined financing with the bank’s Closing the Gap second lien.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Atlantic Union Bank STAR Portfolio Loan Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Baltimore City CLT Buyer's Choice ProgramBaltimore City Department of Housing and Community Development with participating community land trusts
Up to $75,000 for households at or below 50% AMI or up to $120,000 at or below 30% AMI toward an approved Baltimore community-land-trust purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Baltimore City CLT Buyer's Choice Program.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.
Baltimore City Historic Restoration and Rehabilitation Property Tax CreditBaltimore City Commission for Historical and Architectural Preservation and Department of Finance
A ten-year credit against the City property-tax increase caused by approved rehabilitation of an eligible historic property.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
```
Hello — I'm a homebuyer looking at Baltimore City Historic Restoration and Rehabilitation Property Tax Credit.

Can it be used on the same purchase as APG Federal Credit Union 80/20 Mortgage (APG Federal Credit Union)?

If it can:
  1. Is there a cap on total assistance from all sources combined?
  2. Do I need to disclose the other program before I apply, or does it matter which I apply to first?
  3. Does using both change the repayment or forgiveness terms of yours?

Thank you.
```
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
If you asked them, what did they say?
Yes, they combineNo, they don’tThey weren’t sure
Anything they added (optional)Which office answered (optional)The office, not the person. Please don’t include anyone’s name, email, or phone number.

We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.

Check everything you’re bringing to closing — gifts, seller credits, employer help →

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