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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
73

Statewide + federal

Open to first-time buyers
27

Open to first-time buyers

Forgivable
53

Forgivable

Largest award
$202,000

Largest award

73 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 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 Jun 2026

Bank of America America's Home Grant

Bank of America, N.A.

Up to $7,500

Assistance grant · Income limits

Targeted area
Verified Jun 2026

Chase Homebuyer Grant

JPMorgan Chase Bank, N.A.

Up to $5,000

Assistance grant · Income limits

Targeted area
Verified Jun 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 Jun 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 Jun 2026

DC Open Doors

DC Housing Finance Agency (DCHFA)

3.5% of price

Deferred second loan · Income limits

Verified Jun 2026

DC4ME

DC Housing Finance Agency (DCHFA)

3% of price

Deferred second loan · Income limits

VeteransEducators
Verified Jun 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 Jun 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 Jun 2026

HomeAdvantage DC

District of Columbia Housing Finance Agency (DCHFA)

3.5% of price

Second mortgage · Income limits

First-timeTargeted area
Verified Jun 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 Jun 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 Jun 2026

NACA Best in America Mortgage

Neighborhood Assistance Corporation of America (NACA)

First mortgage

First mortgage · Income limits

Targeted area
Verified Jun 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 Jun 2026

Truist Community Homeownership Incentive Program (CHIP)

Truist Bank

First mortgage

First mortgage · New construction · Income limits

Targeted area
Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

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 Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
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

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
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 Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

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 Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
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 Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 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 Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

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 Jun 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 Jun 2026

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

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 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 Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

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

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

Cities in District of Columbia

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