Who qualifies for DC4ME Government Employee Mortgage?

At least one borrower must be a current full-time employee of the District government or an eligible District instrumentality, independent agency, public charter school, or organization under DC Council oversight.; No minimum employment tenure is stated, but proof that employment has started is required.; Maximum household income is 170% of Area Median Income and the published maximum household income is $275,400, subject to change.; Minimum credit score is 640.; Debt-to-income ratio may not exceed 50%.; At least one borrower must complete homebuyer education.; The program may be combined with EAHP or HPAP when the buyer qualifies..

Where the reviewed rules apply

No buyer address is selected. These maps do not establish financial eligibility, funding availability, or property approval.

No current, human-approved coverage policy is available. Imported location labels and provider offices are not proof of coverage.

Not verified yetFunding open at last check

DC4ME Government Employee Mortgage

District of Columbia Housing Finance Agency

Reduced mortgage rate; optional 3% down-payment assistance

A reduced-rate first mortgage for eligible full-time DC government-related employees, with an optional 3% zero-interest deferred down-payment loan.

Deferred 0% loan

Coverage not confirmed

Purchase, residence and work requirements may differ. Review the coverage explanation and confirm your property address with the provider.

How and when you repayYou repay the reduced-rate first mortgage through normal monthly mortgage payments. If you choose the 3% down-payment assistance option, that assistance is a zero-interest deferred subordinate loan. DCHFA's public page does not state every payoff trigger, so confirm the current subordinate-loan terms with the participating lender before closing.

These terms describe the assistance. Any mortgage used to buy the home has its own repayment terms. Check the provider's documents before accepting an offer.

See possible fitCompare

Visit official program site ↗

Applications never run through HomeBase.

Who can apply

About you

At least one borrower must be a current full-time employee of the District government or an eligible District instrumentality, independent agency, public charter school, or organization under DC Council oversight.
No minimum employment tenure is stated, but proof that employment has started is required.
Maximum household income is 170% of Area Median Income and the published maximum household income is $275,400, subject to change.
Minimum credit score is 640.
Debt-to-income ratio may not exceed 50%.
At least one borrower must complete homebuyer education.
The program may be combined with EAHP or HPAP when the buyer qualifies.

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

At least one borrower must be a current full-time employee of an eligible District government agency, instrumentality, independent agency, public charter school, or covered organization.

Documents needed

Proof of current eligible DC government employment
Homebuyer education completion for at least one borrower

Reader request

Want us to check this program?

Ask HomeBase to re-check DC4ME Government Employee 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?

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 DC4ME Government Employee Mortgage(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 Home Purchase Assistance Program (HPAP)DC Department of Housing and Community Development
Up to $202,000 in gap financing plus $4,000 toward closing costs.
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 DC Home Purchase Assistance Program (HPAP).

Can it be used on the same purchase as DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 restriction has missing, unavailable or mismatched source evidence. Do not rely on this pairing until the evidence is repaired. NOT combinable. Per DC Housing Finance Agency (DCHFA), DC Open Doors Lender Manual: "The DPAL is only available in conjunction with a DC Open Doors first trust mortgage."
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-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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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 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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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 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 DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
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 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 Chase Homebuyer Grant.

Can it be used on the same purchase as DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.
Chenoa Fund Down Payment AssistanceCBC Mortgage Agency
Second-mortgage down-payment assistance for qualifying borrowers through approved lenders, with repayable and forgivable FHA options generally offering 3.5% or 5%.
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 Chenoa Fund Down Payment Assistance.

Can it be used on the same purchase as DC4ME Government Employee Mortgage (DC Housing Finance Agency (DCHFA))?

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.
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.

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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