Washington DC Home Purchase Assistance Program (HPAP) Checklist

A step-by-step checklist for consumers applying for the Washington DC Home Purchase Assistance Program (HPAP) in 2025.

Confirm Your Eligibility

Ensure your household income meets the program’s limits, which vary based on family size and are updated annually.
Verify that you are a first-time homebuyer, defined as not having owned a home within the last three years. Exceptions may apply for specific circumstances.
Confirm the property you plan to purchase is located within the District of Columbia and will serve as your primary residence.
Check that your credit score meets the program’s minimum requirement, typically 620 or higher. Your assigned Loan Officer may outline additional conditions.

Provide proof of income, including recent pay stubs, W-2 forms, or other earnings verification.
Gather your tax returns for the past two years, including all supporting schedules and attachments.
Obtain recent bank statements for the last two to three months for all financial accounts.
Prepare property details, including the address, purchase agreement, and sale price.
Compile additional documents requested by your Loan Officer, such as verification of debts, liabilities, or proof of assets.

Your assigned Loan Officer is available to guide you through the Washington DC Home Purchase Assistance Program application process.
Schedule a meeting or call with your Loan Officer to discuss program requirements, confirm eligibility, and outline the next steps.
Address any questions about the program benefits, required documentation, or the timeline for approval.
Follow your Loan Officer’s guidance to gather and submit all required materials accurately and promptly.

Collaborate with your Loan Officer to accurately complete the application for the HPAP program.
Submit all required documents to verify your eligibility for down payment and closing cost assistance.
Review the application with your Loan Officer to ensure all information is complete and free of errors.
If required, attend a homebuyer education course to fulfill program requirements.

Sign all necessary documents provided by your Loan Officer to secure your participation in the program.
Prepare to cover any costs not included in the program assistance, such as closing fees or prepaid items.
Receive confirmation of your enrollment and detailed instructions on how the assistance will be applied to your home purchase.

Ensure the purchased property remains your primary residence for the duration required by the program guidelines.
Notify your Loan Officer immediately if you plan to sell, refinance, or make changes to your mortgage, as these actions could impact your program benefits.
Stay updated on program requirements or changes to maintain compliance and retain your assistance benefits.