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.
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.
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 (6-8-Hours) for Approved Participants in DHCD
** Must call to register – 202-373-1050
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