: Payments are deferred for five years, followed by a 40-year principal-only repayment period.
HPAP is the cornerstone of D.C.’s housing assistance, providing "gap financing" for low- to moderate-income residents. dc home buying programs
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) . : Payments are deferred for five years, followed
: 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. Housing Finance Agency (DCHFA)
: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household.
: 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.
D.C. incentivizes its government employees to live within the District through targeted perks.