Washington, D.C. Homebuyer Assistance


Home Purchase Assistance Program (HPAP)


Must meet the following criteria:

  • Be the head of the household and a first-time homebuyer
  • Be a very low-to-moderate income resident, based on the Department’s standards
  • Cannot have had ownership interest in any residential real estate within the 3 years prior to the application
  • Purchased home must be the Borrower’s primary residence and must be located in the District of Columbia
  • Possess a good credit rating


Assistance Amount

The level of gap financing assistance is based upon household size, household income, need, and the availability of funds. The maximum amount of HPAP assistance provided to very low- low- and moderate-income eligible households is $80,000. Closing cost assistance is provided separately and cannot exceed $4,000.

Applicant Contribution

HPAP recipients contribute $500 or 50% of liquid assets greater than $3,000, whichever is greater. For very low- and low-income applicants, the contribution in excess of five hundred dollars ($500) may be waived by the Director where there is demonstrated need and the applicant household is elderly, handicapped, disabled, or displaced.

Loan Repayment

  • For moderate income eligible households: Payment on loans is deferred for the first five years. Monthly principal-only payments begin in the sixth year of the loan, amortized over a 40-year period.
  • For very low income and low income eligible households: Loans will have no monthly payments.
  • When all loans become payable: Regardless of household income, the entire loan amount becomes immediately due and payable if the borrower transfers the property, the property is refinanced (unless the refinance meets certain conditions), or the property ceases to be the borrower’s primary residence.
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