Home Purchase Assistance Program (HPAP)

Home Purchase Assistance Program (HPAP)是面向Washington，District of Columbia购房者的延期第二贷款，由DC Dept. of Housing & Community Development (DHCD)管理。 DHCD interest-free deferred gap-financing loan (up to $202,000) plus up to $4,000 closing assistance for first-time buyers of a single-family home, condo, or co-op in DC; amount scales by income, household size, and need. Up to $202,000 gap financing + up to $4,000 closing. 0% interest. Fully deferred below 80% MFI. 5-yr deferral then 40-yr principal-only (80-110% MFI). 资金来自State。

Home Purchase Assistance Program (HPAP)提供最高$202,000的援助。 该项目要求购房者自付$500 or 50% of liquid assets over $3,000, whichever is greater (waivable for elderly/disabled/displaced). 该项目可与EAHP、DC4ME和DC Open Doors结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由DC Dept. of Housing & Community Development (DHCD)决定。

Home Purchase Assistance Program (HPAP)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale/transfer、Cash-out refinance和No longer primary residence。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Home Purchase Assistance Program (HPAP)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：No ownership interest in residential real estate within the prior 3 years. 须参加购房者教育课程，由DHCD-funded CBOs: Housing Counseling Services, Latino Economic Development Center, Lydia's House, University Legal Services (8-hr training)提供。 居住要求：DC residents prioritized; non-residents must have worked in DC 1 year or lived in DC 3 consecutive years. Head of household + first-time buyer; apply through a DHCD-funded CBO; 8-hr training; FY2026 funding first-come. No seller-backed financing.

Home Purchase Assistance Program (HPAP)将家庭收入限制在地区收入中位数的110%，该数值因县和家庭人数而异。 Very low- to moderate-income up to 110% MFI, scaled by household size/tier (eff. for loans closed after 6/1/2025). 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Home Purchase Assistance Program (HPAP)可用于Single Family、Condo和Cooperative。

Home Purchase Assistance Program (HPAP)在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Home Purchase Assistance Program (HPAP)服务于在Washington，District of Columbia购房的购房者。

Home Purchase Assistance Program (HPAP)的申请通过DC Dept. of Housing & Community Development (DHCD)办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。