Housing Programs In DC

Changing Neighborhoods

Housing Programs In DC 

Changing Neighborhoods

Lydia's House strengthening families platform is to increase the number of first time home buyers in the DMV through education, counseling, and referral and to decrease the number of households losing their homes to foreclosure. 

  • First Time Homebuyer and HPAP Orientation

  • Group Financial Education Workshops

  • One-on-one Housing Counseling

  • Foreclosure Prevention Counseling

One-on-one Housing Counseling

Participants completing the First Time Homebuyer Workshops are eligible to receive one-on-one housing and financial counseling to achieve their housing and/or financial goals. One-on-one counseling is 1 hour meetings with a Housing Counselor to assist in developing a realistic Action Plan to include a review of Tri-merge Credit Report; developing spending plans, disputing errors on credit report, savings down payment for home purchase, and completing an application for a DHCD funding program (HPAP, EHAP, and/or NEAHP).

First Time Homebuyer and HPAP Orientation

Pre Purchase Orientation – a 2-3 hour overview of HUD homebuyer education and the District of Columbia homebuyer programs. Pre-requisite for one-on-one counseling.

HPAP


The Home Purchase Assistance (HPAP) program provides interest-free loans and closing cost assistance to qualified applicants 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 toward a property’s purchase. The loan is subordinate to a private first trust mortgage. As of 2017, eligible applicants can receive a maximum of $80,000 in gap financing assistance and an additional $4,000 in closing cost assistance. The HPAP 0% interest loan for borrowers with incomes below 80 percent of the area median income (AMI) is deferred until the property is sold, refinanced to take out equity, or is no longer their primary residence. Moderate-income borrowers who earn between 80 percent and 110 percent AMI will have payments deferred for five years with a 40 year principal-only repayment period.




EAHP


Down payment and closing cost assistance under the Employer Assisted Housing Program (EAHP) is available to full-time District government employees in good standing with at least one year of service. The service requirement is waived for police officers, corrections officers, firefighters, emergency medical technicians, paramedics and teachers in a public or public charter school. Good standing means no adverse action by the District government employer in the past three years. The EAHP borrower has to be a first-time home buyer in the District, which is defined as having no ownership in a principal residence, in the District, in the past three years. The purchased property must become the employee’s principal residence, but the purchaser can own property in another jurisdiction. The First-Responder grant requires employment, or acceptance of an offer of employment, with the District of Columbia as a police officer, fire fighter, paramedic, emergency medical technician, or corrections officer. All employees eligible for the First-Responder grant are also eligible for the standard $20,000 EAHP loan. Furthermore, District government employees also can qualify for the Home Purchase Assistance Program (HPAP), combining the assistance.




NEAHP


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.




Homeownership Education Workshop (8-Hours) for Approved Participants in DHCD


If you would like to register please click the link below. Homeownership Educcation Workshop Registration Page




Inclusionary Zone / Affordable Dwelling Units (IZ/ADU)


The District’s Inclusionary Zoning (IZ) Program requires 8 percent–10 percent of the residential floor area be set aside for affordable rental or for-sale. The DC Department of Housing and Community Development (DHCD) uses a lottery process to randomly select households meeting income restrictions and other criteria on a rolling basis as units become available. Households interested in purchasing or leasing an IZ home must take two steps to receive notifications about IZ unit availability and be eligible for the lottery process





Group Financial Education Workshops
Foreclosure Prevention Counseling

Mortgage Late? Don’t Wait! We can help!.

Lydia’s House provides a 12 module financial education series that will help you improve your credit, manage your money, and be a responsible homeowner.

Module 1: Your Credit and Why It Is Important


The single most effective way to prepare consumers for homeownership is to educate them on the importance of using credit wisely. This module introduces credit, basic terminology, and the importance of building a better credit record.




Module 2: Managing Your Money


Learn about the importance of developing a spending plan and developing wise spending habits, in addition to receiving tips on how to save money.




Module 3: Goal Setting


Find out about the importance of setting goals to achieve financial objectives.




Module 4: Banking Services


Get valuable information on the basics of banking and the importance of establishing a relationship with a financial institution to build credit, save money, and achieve goals.




Module 5: Establishing and Maintaining Good Credit


Learn how to establish a credit presence and maintain a good credit history. The module also reviews the contents of a credit report, as well as the primary credit and consumer protection laws.




Module 6: Understanding Credit Scoring


This module describes credit scoring from a borrower's perspective and illustrates how consumer behavior affects credit scores.




Module 7: Thinking Like a Lender


Get information on how lenders and other financial institutions determine creditworthiness and how it relates to credit scores.




Module 8: Avoiding Credit Traps


Get valuable information on how to avoid credit traps, identity theft, and predatory lending practices that can consume personal resources and severely damage credit histories.




Module 9: Restoring Your Credit


This module shows how to deal with credit difficulties and provides tips on how to restore impaired credit.




Module 10: Planning for Your Future


This module outlines the process to achieve goals and attain financial security.




Module 11: Becoming a Homeowner


This module provides practical information on how to prepare to obtain a mortgage and own a home.




Module 12: Protecting Your Home Investment


This newest curriculum module contains a wealth of information on understanding home equity, maintaining and improving your home, preparing for emergencies, and recognizing scams. It also includes a comprehensive section on alternatives to foreclosure.





  • Assessment of your mortgage, including payment status and urgency in the delinquency and foreclosure process 

  • General discussion of foreclosure

  • Development of loss mitigation options

  • Development of steps to be taken by you and by our certified counselor

  • Communication with servicer

  • Submission of loss mitigation package to servicer

  • Mediation Assistance and Referral Service

  • Written action plan for avoiding foreclosure

  • Follow up support for homeowner

  • Contact information for available community services

Single Family Residential Rehabilitation Program (SFRRP)

Single Family Residential Rehabilitation (SFRRP) administers loans and/or grants for home repairs to alleviate DC building code violations and assists homeowners in repairing physical threats to health and safety, and modify and/or eliminate barriers to accessibility for persons with mobility or other physical impairments.

Roof Repair Program


This Program is part of the SFRRP and provides a grant for seniors of up to $15,000 to replace and/or repair the roof. This grant pays for exterior roofing and gutter work only.




Handicapped Accessibility Improvement Program (HAIP)


This Program provides a grant of up to $30,000 for accessibility modifications needed to adjust most physical barriers within a home for persons with mobility or other physical impairments.




Rehabilitation Loans


This program offers low to zero interest loans to address building deficiencies. These loans are amortized for 20 years and are often deferred until the home is sold or refinanced.




Lead-based Paint Hazards


This program provides grants to eligible properties to address lead-based paint hazards.




Additional Benefit for Seniors


Households where the head of household is 62 years or older may have the first $10,000 of their loan, provided as a permanently deferred loan. Deferral of additional amounts will be considered on a case-by-case basis. Note: Loans and Grants under these Programs may be combined but cannot exceedthe overall program maximum of $75,000. All Programs are subject to homeowner eligibility which is based upon the homeowner’s income.





Get In Touch

Hours: Mon-Fri 09:00 - 5:00 pm

Email: info@lhndc.org

Phone: 202-373-1050

Lydia's House Headquarters: 

4101 Martin Luther King Jr Ave SW

Washington, DC 20032

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