Dc Home Buying Programs [TESTED]

: 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.

: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan.

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

: Offers a Down Payment Assistance Loan (DPAL) covering up to 3% or 3.5% of the purchase price. Key Advantage : Open to both first-time and repeat buyers .

: Typically requires a minimum credit score of 640. For Public Servants: EAHP and DC4ME : Must be a first-time homebuyer (no ownership

: Payments are deferred for five years, followed by a 40-year principal-only repayment period.

: No monthly payments are required. The balance is due only when the home is sold, refinanced for equity, or ceases to be a primary residence. Structure : A 0% interest, deferred loan

D.C. incentivizes its government employees to live within the District through targeted perks.