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Washington DC Employer Assisted Housing Program (EAHP)

The Washington DC Employer Assisted Housing Program (EAHP), administered by the District of Columbia Department of Housing and Community Development (DHCD), is specifically designed to assist DC government employees in achieving affordable homeownership. The program provides financial assistance for down payments and closing costs, helping employees purchase homes within the District of Columbia.

Benefits

  • Offers a deferred loan of up to $20,000 for down payments and closing costs, reducing upfront expenses for eligible employees.
  • Provides an additional matching funds grant of up to $5,000 based on the employee's personal contribution.
  • Supports the retention and well-being of DC government employees by promoting homeownership within the District.
  • Encourages long-term housing stability and equity building for government workers.
  • Combines well with other DC housing programs, such as the Home Purchase Assistance Program (HPAP), for additional support.

Eligibility Requirements

  • Applicants must be full-time employees of the District of Columbia government or its instrumentalities.
  • The property must be located in Washington DC and used as the buyer’s primary residence.
  • Participants must contribute a portion of their own funds toward the home purchase, which will be matched by the program.
  • Completion of a DHCD-approved homebuyer education course is required to prepare for the responsibilities of homeownership.

Additional Information

The Washington DC Employer Assisted Housing Program (EAHP) is a valuable initiative that helps DC government employees overcome financial barriers to homeownership. By offering targeted financial assistance, the program supports eligible employees in securing stable housing and investing in their futures. Administered by the DC Department of Housing and Community Development, this program promotes sustainable homeownership and strengthens the community within the nation’s capital.

Frequently Asked Questions About Our Program

What is the Washington DC Employer Assisted Housing Program (EAHP)?

The Employer Assisted Housing Program (EAHP) provides financial assistance to District government employees for purchasing a home in Washington DC, including support for down payment and closing costs.

Who qualifies for the EAHP program?

Eligible applicants must be full-time, permanent employees of the District government, meet income requirements, and intend to use the property as their primary residence.

How much assistance does EAHP provide?

Eligible employees can receive up to $20,000 in matching funds for a down payment and closing costs, along with a deferred, interest-free loan of up to $10,000.

What is the purpose of the matching funds in the EAHP program?

The program matches the employee’s personal contribution toward the down payment or closing costs, up to a maximum of $20,000, helping reduce the upfront financial burden.

Does the assistance from EAHP need to be repaid?

The matching funds do not need to be repaid. However, the $10,000 deferred loan must be repaid if the employee sells, refinances, or no longer uses the property as their primary residence within a specified timeframe.

Are there income limits for the EAHP program?

Yes, income limits apply and vary based on household size, ensuring the program benefits low- to moderate-income District government employees.

What types of properties are eligible under EAHP?

Eligible properties include single-family homes, condominiums, and cooperative housing units located within Washington DC.

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Can the EAHP program be used for newly constructed homes?

Yes, newly constructed homes are eligible as long as they meet the program’s location and purchase price requirements.

What is the maximum purchase price allowed under EAHP?

As of 2025, the maximum purchase price varies based on market conditions and is generally aligned with FHA loan limits in Washington DC.

Is homebuyer education required for EAHP?

Yes, participants must complete a homebuyer education course to ensure they are well-prepared for the responsibilities of homeownership.

Can EAHP assistance be used with other homebuyer programs?

Yes, EAHP can be combined with programs like the Home Purchase Assistance Program (HPAP) or other local and federal assistance options to maximize benefits.

Are there credit score requirements for the EAHP program?

Applicants typically need a minimum credit score of 640, though exceptions may be made based on individual circumstances.

Are there restrictions on where the property must be located?

Yes, the property must be located within Washington DC to qualify for assistance through the EAHP program.

Does the employee have to remain with the District government to retain benefits?

Yes, employees must remain employed by the District government during the application and home purchase process, and in some cases for a specified period afterward.

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Can EAHP assistance cover closing costs?

Yes, the funds can be used for both down payment and eligible closing costs, reducing the upfront financial burden for buyers.

How does the deferred loan work in the EAHP program?

The deferred loan provides up to $10,000 with no interest or monthly payments. Repayment is required only if the buyer sells, refinances, or no longer resides in the home within the loan term.

What are the benefits of the EAHP program?

The program offers significant financial assistance, helping District government employees afford homes in Washington DC while encouraging them to live in the community they serve.

Can the program be used with FHA, VA, or conventional loans?

Yes, EAHP assistance can be paired with FHA, VA, USDA, and conventional loans, provided all eligibility criteria are met.

What is the application process for EAHP?

Applicants must work with an approved housing counseling agency, verify eligibility, complete the homebuyer education requirement, and submit all necessary documents for review.

Is there a fee to participate in the EAHP program?

No additional fees are charged for accessing EAHP benefits, but buyers should review standard closing costs and other expenses with their lender during the process.

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