Home Purchase Assistance Program (HPAP)

The Home Purchase Assistance Program (“HPAP”) is available to first-time homebuyers purchasing a home located in the District to provide gap financing to assist with necessary funds to purchase.  The assistance provides down payment and closing cost assistance in the form of a deferred interest free loan to first-time District homebuyers falling within the very low and moderate income levels.

The income limits were determined based upon the area median income for the Washington, DC metro area, established by the Secretary of the U.S. Department of Housing and Urban Development.

The maximum first trust loan amount cannot exceed the conforming loan limit (currently $1,089,300 – subject to change without notice).


How to Apply

To apply for assistance or to receive more information, please contact one of the following CBOs:



Facility Name Address Phone # Website Link
Housing Counseling Services, Inc. 2410 17th Street NW,
Washington, DC 20009
(202) 667-7006 Homebuyer – Housing Counseling Services, Inc.
Latino Economic Development Center 1401 Columbia Rd NW APT C1, Washington, DC 20009 (202) 800-1597 Housing – Latino Economic Development Center
Lydia’s House, Inc. 4101 Martin Luther King Jr. Ave. SW,
Washington, DC 20032
(202) 373-1050 Housing Programs in DC | Lhndc
University Legal Services, Inc. 1800 Martin Luther King Jr. Ave. SE,
Washington, DC 20020
(202) 889-2196 University Legal Services for the District of Columbia
University Legal Services, Inc. 3939 Benning Road NE,
Washington, DC 20019
(202) 650-5631 University Legal Services for the District of Columbia
University Legal Services, Inc. 220 I St NE #130,
Washington, DC 20001
(202) 547-4747 University Legal Services for the District of Columbia
Manna, Inc. 6856 Eastern Ave, Suite 100,
Washington, DC 20012
(202) 559-2792 MANNA DC
Manna, Inc. 614 S Street NW,
Washington, DC 20001
(202) 559-2792 MANNA DC
Manna, Inc. 3425 A Street SE
Washington, DC 20019
(202) 559-2792 MANNA DC
MMarshall Heights Community Development Organization, Inc. 3939 Benning Road, NE (202)396-1200 MHomepage – MHCDO

Once your application is complete, the CBO will submit your request for a Notice of Eligibility (“NOE”) to the assigned administrator (DCHFA or GWUL).

Housing Couselors’ Cover Sheet & Checklist for HPAP Applications

What you must do to complete the Home Buying Process:

  • Upon receipt of your NOE, complete pre-purchase homeownership training (contact your CBO for instructions)
  • Select your home and execute a sales contract and include the HPAP Addendum and Lead Based Paint addendum, if applicable
  • Submit your fully ratified sales contract, a first trust lender pre-approval and the Home Purchase Information Form to your Administrator
  • Have the home you are purchasing inspected by a Certified HUD Home Inspector (https://entp.hud.gov/idapp/html/insplook.cfm) and provide a copy of the inspection report to your Administrator (see attached for inspection authorization)
  • Obtain a termite inspection report and submit a copy to your Administrator (N/A for condominiums located on the 4th floor or above)
  • Obtain a firm commitment (approval) for a first trust mortgage
  • Ensure lender submits a complete loan package to DCHFA for HPAP Firm Commitment (Approval)
  • Work with your first trust lender to select a title company to perform settlement and ensure lender submits homeowners’ insurance and title documentation, as instructed by DCHFA


HPAP Information

  • HPAP provides gap financing to first time homebuyers earning up to 110 percent of the area median income (MFI)
  • Maximum HPAP loan amount for down payment assistance is $202,000
  • Maximum HPAP loan amount for closing cost assistance is $4,000

HPAP Eligibility Requirements

In order to qualify for HPAP, you must meet the requirements below:

  • Applicant(s) must be a first-time homebuyer (cannot have had an ownership interest in any residential real estate within the three years prior to application).
  • Household income must be within the very low-to-moderate income level, based on DHCD’s standards.
  • The home being purchased must be for the borrower’s primary residence and must be located within the District of Columbia.
  • Possess a good credit rating.
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