DC Home Purchase Assistance Program (HPAP)
District of Columbia Department of Housing and Community Development
Up to $202,000 plus $4,000 closing costs
Up to $202,000 in gap financing plus $4,000 toward closing costs.
Deferred 0% 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.
Maximum household income
$182,700 per year
Household of 4 · FY2026
Who can apply
About you
- First-time buyer and head of household
- No ownership interest in residential real estate in the past 3 years
- Income within program limits, up to 110 percent of median family income
- DC residents are prioritized
The home
- Home must be in DC and your primary residence
How to apply
- Minimum personal contribution of $500 or half of liquid assets above $3,000, whichever is greater
- Apply through a DHCD-funded community-based organization
- First come, first served (FY2026 funded)
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
Documents needed
- Homebuyer education and counseling documents
- Income, asset, credit, and first-mortgage documents required by the HPAP administrator
Income limits (110% of area median income)
| Household size | Income limit |
|---|---|
| 1 | $127,900 |
| 2 | $146,150 |
| 3 | $164,450 |
| 4 | $182,700 |
| 5 | $197,350 |
| 6 | $211,950 |
| 7 | $226,550 |
| 8 | $241,200 |
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 DC Home Purchase Assistance Program (HPAP)(4 confirmed, 8 to check)
Confirmed — these combine(4)
A published rule from the programs themselves says so, and we cite it.
- DC Open DoorsDC Housing Finance Agency (DCHFA)
A zero-interest, deferred down payment and closing-cost loan of 3% to 3.5% of the price, paired with a DCHFA first mortgage.
HPAP loan must sit in 2nd lien position; the DC Open Doors down payment assistance loan (DPAL) then takes 3rd lien.
- DC4ME Government Employee MortgageDC Housing Finance Agency (DCHFA)
A reduced-rate first mortgage for eligible full-time DC government-related employees, with an optional 3% zero-interest deferred down-payment loan.
Borrower must meet each program's own eligibility requirements.
- Employer-Assisted Housing Program (EAHP)DC Department of Housing and Community Development (DHCD)
For DC government employees: a deferred 0% loan up to $20,000 (more for first responders and educators) plus a matching grant toward down payment and closing costs on a first DC home.
Buyer must be a District government employee eligible for both programs; one application covers both.
- Good Neighbor Next DoorU.S. Department of Housing and Urban Development (HUD)
Buy an eligible HUD home in a revitalization area at 50% off the list price — for full-time teachers (pre-K to 12), police, firefighters, and EMTs.
HUD generally permits state/local government assistance (which HPAP is) on a GNND purchase, but no DC DHCD document specifically addresses GNND; the buyer must independently qualify under HPAP rules (DC property, primary residence, income limits) and the as-is HUD REO home must pass HPAP requirements. (Per HUD/FHA — Good Neighbor Next Door Sales lender fact sheet (GNNDLenderFS 20260528): "Additional assistance from state or local government sources may be used in conjunction with GNND;")
Worth asking about(8)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
- Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
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 Affinity HomeAdvantage Cash Rewards. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- Affordable Loan Solution®Bank of America
Unverified research entry — details not yet confirmed.
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 Affordable Loan Solution®. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- 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 DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
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 Alliant Advantage Mortgage. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- Andrews Federal FHLB First-Time Homebuyer GrantAndrews Federal Credit Union through the Federal Home Loan Bank
Limited grant assistance for down payment and closing costs for a qualifying first-time 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 Andrews Federal FHLB First-Time Homebuyer Grant. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- 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 DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
Unverified research entry — details not yet confirmed.
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 CBC Mortgage Chenoa Fund - Conventional 97 HomeReady Program. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
- Chase Homebuyer GrantJPMorgan Chase Bank, N.A.
A nonrepayable Chase grant of up to $5,000 may cover points, closing costs or an interest-rate buydown on eligible DreaMaker, agency, FHA or VA purchase mortgages in qualifying census tracts.
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 Chase Homebuyer Grant. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? 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.
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 →