Washington DC Home Purchase Assistance Program (HPAP)

The Washington DC Home Purchase Assistance Program (HPAP), administered by the District of Columbia Department of Housing and Community Development (DHCD), is designed to help low- and moderate-income residents achieve affordable homeownership. The program provides financial assistance for down payments and closing costs, reducing the upfront financial barriers to buying a home in Washington DC.

Benefits

• Offers financial assistance of up to $202,000 for down payments, depending on household income and need.
• Provides additional funding of up to $4,000 to cover closing costs.
• Assistance is offered as a deferred loan with no interest, and repayment is deferred until the home is sold, refinanced, or no longer used as the buyer’s primary residence.
• Supports first-time homebuyers and encourages long-term housing stability and equity building.

Eligibility Requirements

• Applicants must be first-time homebuyers, defined as individuals who have not owned a home in the past three years.
• Household income must meet program limits, which vary based on household size.
• The property must be located in Washington DC and used as the buyer’s primary residence.
• Participants must contribute a minimum of $500 or 50% of their liquid assets toward the purchase of the home, whichever is greater.
• Completion of a DHCD-approved homebuyer education course is required to prepare for the responsibilities of homeownership.

Additional Information

The Washington DC Home Purchase Assistance Program (HPAP) is a vital resource for residents seeking to achieve homeownership while overcoming financial barriers. By providing substantial down payment and closing cost assistance, the program empowers eligible buyers to secure stable housing and invest in their futures. Administered by the DC Department of Housing and Community Development, this initiative supports sustainable homeownership and strengthens communities throughout the District of Columbia.