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Progressive UpPayment Down Payment Assistance Program

National Urban League (administered on behalf of Progressive) · Washington, District of Columbia

Last verified
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Assistance

$13,500

The maximum the program publishes — not an offer

Repayment

Grant

Not repaid

What is Progressive UpPayment Down Payment Assistance Program?

Progressive UpPayment Down Payment Assistance Program is a grant for homebuyers in Washington, District of Columbia, administered by National Urban League (administered on behalf of Progressive).

  • UpPayment is Progressive's down payment assistance program, administered by the National Urban League, providing up to $13,500 toward the down payment on a first home for eligible first-time buyers. The grant does not have to be repaid and is open to residents of all 50 states and DC; applicants must work with a participating HUD-certified Urban League housing counselor (the Greater Washington Urban League serves DC). For 2026, applications are accepted May 1 - September 30 on a rolling, first-come first-served monthly basis, with at least 200 recipients funded nationally.
  • Funding comes from Progressive (corporate philanthropy), disbursed via National Urban League.

How much assistance does it provide?

Progressive UpPayment Down Payment Assistance Program offers up to $13,500 in assistance.

  • The program can be combined with Buyer may use any lender and may combine with other assistance subject to those programs' rules.
  • Amounts are the program's published maximums, not an offer — National Urban League (administered on behalf of Progressive) determines any individual award.

Do you have to pay it back?

Progressive UpPayment Down Payment Assistance Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - grant does not require repayment.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Progressive UpPayment Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: First-time homebuyer = has not owned a primary residence within three years of the closing date.
  • The home is occupied as a primary residence
  • On credit: No credit score requirement to qualify for UpPayment (though credit affects the mortgage the buyer can obtain).
  • A completed homebuyer education course, through HUD-certified housing counselors in the National Urban League network (e.g., Greater Washington Urban League for DC).
  • Residency: Open to residents of all 50 states and DC; legal U.S. resident (excluding U.S. territories).
  • Citizenship or immigration status: Must be a legal U.S. resident (excluding U.S. territories).
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. DRAFT GAP NOTES: Funds can be used for the down payment ONLY (not closing costs); the housing counselor coordinates directly with the closing agent to disburse. Applications accepted May 1-Sept 30, 2026, on a rolling first-come first-served basis each month; limited number of recipients (at least 200 nationally, ~$13,500 each). Applicant must enroll with a participating HUD-certified Urban League counselor to access the application; counseling itself is free and can be done with any HUD counselor, but only Urban League/NUL counselors can submit the UpPayment application. Recipient is responsible for any applicable taxes. Employees of NUL/affiliates and Progressive (and immediate family) are excluded.

The program excludes

  • Manufactured homes

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Progressive UpPayment Down Payment Assistance Program sets its income limit as follows: Household annual income must be below 500% of the federal poverty guidelines (2026 HHS guidelines); a mortgage pre-approval letter dated within the last six months is required.

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Progressive UpPayment Down Payment Assistance Program can be used for Single Family, Condo, and Townhouse.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Progressive UpPayment Down Payment Assistance Program serves buyers purchasing in Washington, District of Columbia.

How do you apply?

Applications for Progressive UpPayment Down Payment Assistance Program go through National Urban League (administered on behalf of Progressive), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-certified housing counselors in the National Urban League network (e.g., Greater Washington Urban League for DC)..

  2. Contact National Urban League (administered on behalf of Progressive) to reserve funds

    Funds are reserved through Apply through a participating HUD-certified Urban League housing counselor; rolling monthly first-come, first-served, May 1 - Sept 30, 2026, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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