DC Homeownership Programs

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DC Homeownership Programs

The homebuyer assistance programs in Washington, DC are the Employer Assisted Housing Program (EAHP), Home Purchase Assistance Program (HPAP), and Negotiated Employee Assistance Home Purchase Program (NEAHP) which offer financial assistance to DC residents and/or DC Government employees for the purpose of purchasing a home in Washington, DC.

Note: Applicants can receive financing from all programs as long as the eligibility requirements for all programs are met.



DC Open Doors offers fully forgivable second-trust loans, as well as below-market interest rates for first-trust mortgages for the purchase of homes in DC.



The Employer Assisted Housing Program (EAHP) provides assistance to employees of the District of Columbia Government who are purchasing a home in the District for the first time.

The EAHP funded property must be owner occupied and the employee’s primary residence.

Employees of District government agencies may be eligible for matching down payment funds up to $1,500 and a deferred loan of up to $10,000 to be used towards the purchase of a single family home, condominium or cooperative unit located in the District of Columbia.

The maximum allowable purchase price is $625,500.



Thanks in part to the work of DC Association of Realtors, DC will finally soon have a tax benefit in place for first-time homebuyers once again.

The First-Time Homebuyer Tax Benefit will lower the recordation tax for qualified DC residents to 0.725%, beginning October 2017.



The Home Purchase Assistance (HPAP) program provides interest-free loans and closing cost assistance to qualified applicants (see the table below) to purchase single family houses, condominiums, or cooperative units.

The loan amount is based on a combination of factors, including; income, household size, and the amount of assets that each applicant must commit towards a property’s purchase.

The loan is subordinate to a private first trust mortgage.

The HPAP 0% interest loan is deferred for the first five-years, and amortized over 40 years. The maximum first trust loan amount cannot exceed $417,000, the conventional conforming loan limit.

    How Much Assistance Is Available?

    As of 2017, the maximum amount of financial assistance provided to eligible households is $80,000, based on household income, need, and fund availability.

    Closing cost assistance is provided separately, and is calculated at 4 percent of the home purchase price or $4,000, whichever is less.

    Am I Eligible?

    To be eligible for HPAP assistance, you 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 DHCD standards. (See the HPAP Homebuyer Assistance Table below.)
  • Have a good credit rating.
  • Have no ownership interest in any residential real estate within three
    years before applying.
  • Purchase a home within the District of Columbia.
  • Use that home as your primary residence.

    How Does DHCD Prioritize Applications?

    Applications are prioritized based on the following:

  • Low-income, elderly, disabled or displaced District residents
  • Other District residents
  • Non-residents who have been employed in the District for one year before applying
  • Non-residents who have lived in the District for three years as an adult
  • Note: District residents always are the priority for HPAP assistance.

    How Much Will I Need to Contribute to Qualify?

    HPAP applicants contribute $500 or 50 percent of liquid assets greater than $3,000, whichever is greater.

    For very low- and low-income applicants, any contribution in excess of $500 may be waived by the DHCD Director if there is demonstrated need and the applicant is elderly, disabled, or displaced.

    How Is the Loan Repaid?

    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.



HPAP First Time Homebuyer Assistance Table 2017




The District of Columbia’s Negotiated Employee Assistance Home Purchase Program grant (NEAHP) is to provide down payment and closing costs assistance to use towards the purchase of primary residence in the District of Columbia.

Certain government employees, whose position is covered by a collective bargaining agreement, can apply.

The program, a joint labor management effort, is administered by the Department of Housing and Community Development (DHCD) and the Office of Labor Relations and Collective Bargaining (OLRCB) with the assistance of the Greater Washington Urban League, Inc. (GWUL).

The amount of assistance is determined by the number years of service in the eligible collective bargaining unit.

The assistance ranges from $3,000 to $26,500 and is provided in the form of a grant that is forgiven after ten years as long as the employee meets the terms of the grant agreement.

NEAHP assistance will be in addition to any assistance provided by the DHCD or any other housing program for which the employee qualifies.

Participant must maintain the property as their primary residence.



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