: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household.
HPAP is the cornerstone of D.C.’s housing assistance, providing "gap financing" for low- to moderate-income residents.
For those who exceed HPAP income limits or need a faster process, DC Open Doors is a highly accessible option through the D.C. Housing Finance Agency (DCHFA) . dc home buying programs
: Payments are deferred for five years, followed by a 40-year principal-only repayment period.
D.C. incentivizes its government employees to live within the District through targeted perks. : Generous limits—up to $275,400 as of 2026—calculated
: Must be a first-time homebuyer (no ownership in 3 years), a D.C. resident (priority given), and meet income limits based on household size.
Washington, D.C. offers some of the most robust homebuyer assistance programs in the country, designed to make the District’s competitive market more accessible. Whether you are a first-time buyer, a local government employee, or just looking to reduce your closing costs, there is likely a program for you. Housing Finance Agency (DCHFA)
: Minimum credit score of 630 and completion of a HUD-approved homebuyer education course. The Flexible Alternative: DC Open Doors