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Down payment assistance

Down payment assistance in District of Columbia

Statewide and federal programs every District of Columbia buyer can consider — plus a city-by-city directory below. Free to explore, no credit pull.

Statewide + federal
86

Statewide + federal

Open to first-time buyers
29

Open to first-time buyers

Forgivable
65

Forgivable

Largest award
$202,000

Largest award

86 programs

Across District of Columbia

24 programs

Home Purchase Assistance Program (HPAP)

DC Dept. of Housing & Community Development (DHCD)

Up to $202,000

Deferred second loan · Income limits

First-time
Verified Jul 2026

Homes by CFE Down Payment Assistance Program

City First Homes, Inc. (dba Homes by CFE)

Up to $100,000

Shared-appreciation loan · Income limits

First-time
Verified Jul 2026

Employer-Assisted Housing Program (EAHP)

DC Dept. of Housing & Community Development (DHCD)

Up to $35,000

Deferred second loan · Forgiven over 5 yrs · Income limits

First-timeEducators
Verified Jul 2026

Negotiated Employee Affordable Home Purchase Program (NEAHP)

DHCD and Office of Labor Relations & Collective Bargaining (OLRCB), with DCHFA

Up to $26,500

Forgivable loan · Forgiven over 10 yrs · Income limits

Verified Jul 2026

FHLBank Atlanta Community Partners Product

Federal Home Loan Bank of Atlanta (through participating member financial institutions)

Up to $20,000

Assistance grant · Forgiven over 5 yrs · Income limits

VeteransEducators
Verified Jul 2026

HIP Subordinate Deed of Trust

District of Columbia Housing Finance Agency (DCHFA)

Up to $20,000

Forgivable loan · Forgiven over 5 yrs · Income limits

Verified Jul 2026

FHLBank Atlanta First-time Homebuyer Product (FHP)

Federal Home Loan Bank of Atlanta (through participating member financial institutions)

Up to $17,500

Assistance grant · Forgiven over 5 yrs · Income limits

First-time
Verified Jul 2026

Progressive UpPayment Down Payment Assistance Program

National Urban League (administered on behalf of Progressive)

Up to $13,500

Assistance grant · New construction · Income limits

First-time
Verified Jul 2026

Bank of America Down Payment Grant Program

Bank of America, N.A.

Up to $10,000

Assistance grant · New construction · Income limits

First-timeTargeted area
Verified Jul 2026

Wells Fargo Homebuyer Access Grant

Wells Fargo Bank, N.A. (Wells Fargo Home Mortgage)

Up to $10,000

Assistance grant · Income limits

Targeted area
Verified Jul 2026

Bank of America America's Home Grant

Bank of America, N.A.

Up to $7,500

Assistance grant · Income limits

Targeted area
Verified Jul 2026

Chase Homebuyer Grant

JPMorgan Chase Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area
Verified Jul 2026

Wells Fargo Dream. Plan. Home. Closing Cost Credit

Wells Fargo Bank, N.A. (Wells Fargo Home Mortgage)

Up to $5,000

Assistance grant · Income limits

Targeted area
Verified Jul 2026

Affordable Dwelling Unit (ADU) Program - For-Sale Units

DC Department of Housing and Community Development (DHCD)

Assistance

Shared-appreciation loan · New construction · Income limits

Verified Jul 2026

DC Open Doors

DC Housing Finance Agency (DCHFA)

3.5% of price

Deferred second loan · Income limits

Verified Jul 2026

DC4ME

DC Housing Finance Agency (DCHFA)

3% of price

Deferred second loan · Income limits

VeteransEducators
Verified Jul 2026

Douglass Community Land Trust - Pay It Forward Single Family Homeownership

Douglass Community Land Trust (Douglass CLT)

Assistance

Shared-appreciation loan · New construction · Income limits

First-time
Verified Jul 2026

Habitat for Humanity DC-NOVA Homeownership Program

Habitat for Humanity of Washington, D.C. & Northern Virginia (Habitat DC-NOVA)

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026

HomeAdvantage DC

District of Columbia Housing Finance Agency (DCHFA)

3.5% of price

Second mortgage · Income limits

First-timeTargeted area
Verified Jul 2026

Inclusionary Zoning (IZ) Affordable Housing Program - For-Sale Units

DC Department of Housing and Community Development (DHCD)

Assistance

Shared-appreciation loan · New construction · Income limits

Verified Jul 2026

Lower Income Homeownership Exemption Program (DC Tax Abatement)

DC Office of Tax and Revenue (OTR), Recorder of Deeds / Real Property Tax Administration

Assistance available

Down-payment assistance · Forgiven over 5 yrs · Income limits

Verified Jul 2026

NACA Best in America Mortgage

Neighborhood Assistance Corporation of America (NACA)

First mortgage

First mortgage · Income limits

Targeted area
Verified Jul 2026

Reduced Recordation Tax Rate for First-Time Homebuyers (DC)

DC Office of Tax and Revenue (OTR), Recorder of Deeds

Assistance available

Down-payment assistance · New construction · Income limits

First-time
Verified Jul 2026

Truist Community Homeownership Incentive Program (CHIP)

Truist Bank

First mortgage

First mortgage · New construction · Income limits

Targeted area
Verified Jul 2026

Federal

62 programs

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Up to $126,526

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026

America First Credit Union 100% No PMI Adjustable-Rate Mortgage

First mortgage

First mortgage

Nationwide
Verified Jul 2026

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jul 2026

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Chase Bank Homebuyer Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Citibank, N.A. HomeRun Mortgage

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jul 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area
Verified Jul 2026

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Essex Mortgage 10 Year Amortized 2 Plus

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Essex Mortgage Forgivable/Deferred Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Fairway Independent Mortgage Corporation Affordable Housing

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Fairway Independent Mortgage Corporation HOPER's Incentive Program

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

First Bank Thrive Mortgage Loan

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jul 2026

Flagstar - Flagstar Gift Program

0.03% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

Great Nevada Mortgage Middle-Income Downpayment Assistance Grants

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide
Verified Jul 2026

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide
Verified Jul 2026

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area
Verified Jul 2026

HSBC Bank USA CommunityWorks

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Land Home Financial Services, Inc. House2Home Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jul 2026

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jul 2026

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

MEP Advantage DPA Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide
Verified Jul 2026

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jul 2026

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jul 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jul 2026

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Pathway Homes Essential Workers Program

Assistance

Shared-appreciation loan · Income limits

NationwideEducators
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jul 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jul 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jul 2026

Susan's Savings First Time Home Buyers Program

Grant

Assistance grant · New construction · Income limits

First-timeNationwide
Verified Jul 2026

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jul 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jul 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jul 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

First mortgage

First mortgage · Income limits

Nationwide
Verified Jul 2026

Valley First Credit Union Middle Income Homebuyer Program

Grant

Assistance grant · Income limits

First-timeNationwide

Cities in District of Columbia

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