Home Purchase Assistance Program (HPAP)

The Home Purchase Assistance Program (“HPAP”), established by the DC Housing Finance Agency, helps first-time homebuyers purchasing a home within the District by providing gap financing to help cover the necessary funds to purchase.   


Available Assistance 
HPAP provides eligible borrowers with down payment and closing cost assistance in the form of a deferred, zero-interest loan to first-time District homebuyers who fall within very low- and moderate-income levels. The amount of assistance given to buyers is based on household income, need, and fund availability. The maximum amount provided for down payment assistance is $80,000, and $4,000 for closing cost assistance. 


Eligibility Requirements 
To be eligible for the Home Purchase Assistance Program, applicants must have a good credit rating, and no ownership interest in any residential real estate in the three years before applying. Applicants must purchase a home within the District, and use that home as their primary residence. HPAP has a maximum income limit and provides assistance to first-time homebuyers earning up to 110% of the area median income (AMI). 

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. 

 

Note: The information provided was accurate at the time of publication and may no longer be current. Visit the program website for updated information.