Where the reviewed rules apply
No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.
Policy coverage-20260924022213420 · evidence evaluated 2026-10-01
Purchase, current-residence and employment requirements are separate; any applicable requirements must all be satisfied. A map is not financial approval.
Purchase location
Home purchased must be in the District of Columbia
The property being purchased must be located within the District of Columbia and must be the borrower’s primary residence. This purchase-location requirement does not establish a current-residence or employment requirement, or confirm financial eligibility. The primary-residence condition remains separately unresolved.
Region hpap-purchase-dc · version coverage-20260924022213420 · requirement purchase-location
Boundary locations: inclusion needs confirmation.
Additional conditions needing evaluation: primary-residence.
Program-rule evidence
- Source 1 · ID 1938 · version ce6442a28a6c9e4d6702c979247c572a · captured 2026-09-23T23:45:38.904Z
Boundary or inventory provenance
- Source 1 · ID https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/State_County/MapServer/0 · version January 1, 2025 state boundary; checked 2026-08-11 · captured 2026-08-11T03:55:37.120Z
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
Home purchased must be in the District of Columbia
Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.
How and when you repayThis is an interest-free loan. If your household earns below 80 percent of the area median income, there are no monthly payments; you repay when you sell, refinance to take out equity, or stop living in the home. If you earn between 80 and 110 percent, payments are deferred for five years, then principal-only payments spread over 40 years.
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
What can I combine this with?
Some programs can be combined, while others are alternatives or apply to different locations. These are questions to investigate, not a combined award. Never add benefit ceilings together without checking both programs’ rules.
Review possible combinations with DC Home Purchase Assistance Program (HPAP)(12 to check)
Worth asking about(12)
No resolved current rule for this pair. Ask both administrators about eligibility, location, limits and required application order.
- 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.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. HPAP loan must sit in 2nd lien position; the DC Open Doors down payment assistance loan (DPAL) then takes 3rd lien.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:dc-home-purchase-assistance-program-hpap+dc-open-doors
Here’s the question to ask
Hello — I'm a homebuyer looking at DC Open Doors. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Borrower must meet each program's own eligibility requirements.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:dc4me-government-employee-mortgage+dc-home-purchase-assistance-program-hpap
Here’s the question to ask
Hello — I'm a homebuyer looking at DC4ME Government Employee Mortgage. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. Buyer must be a District government employee eligible for both programs; one application covers both.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:dc-home-purchase-assistance-program-hpap+dc-employer-assisted-housing-program
Here’s the question to ask
Hello — I'm a homebuyer looking at Employer-Assisted Housing Program (EAHP). Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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.
A recorded permission has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. 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;")
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Recorded source citations: cite:stack:good-neighbor-next-door+dc-home-purchase-assistance-program-hpap
Here’s the question to ask
Hello — I'm a homebuyer looking at Good Neighbor Next Door. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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 supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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 supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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 supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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 supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- APG Federal Credit Union 80/20 MortgageAPG Federal Credit Union
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.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- Apple FCU First-Time Home Buyer MortgageApple Federal Credit Union
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- Atlantic Union Bank Closing the Gap LoanAtlantic Union Bank
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
No supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
Here’s the question to ask
Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan. Can it be used on the same purchase as DC Home Purchase Assistance Program (HPAP) (DC Department of Housing and Community Development)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
- 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 supported pair rule is recorded. This is a research candidate, not proof that both programs apply to the same purchase. Ask both offices in a phone call; do not add their advertised maximum amounts.
Discovery candidate only. Confirm both programs apply to the same borrower, purchase property, first mortgage and lender; geographic tags do not establish that.
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)? Please confirm current availability and whether my borrower, property, first-mortgage and lender requirements satisfy both programs. If it can: 1. Is there a cap on total assistance from all sources combined, or does one benefit reduce the other? 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? 4. Which current written rules and conditions support this answer? Thank you.
Ask both program offices and the participating lender. If their answers differ, resolve the conflicting written rules and conditions before relying on a combination; do not assume which answer controls.
A cited pair rule does not establish that either program serves your property or that you qualify. Confirm current conditions with both administrators and your lender before counting on a combination.
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