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Washington D.C. Home Purchase Assistance Program (HPAP)

$206,000

Housing & Homeownership
Washington D.C. Home Purchase Assistance Program (HPAP)

About the Program

The Home Purchase Assistance (HPAP) program provides interest-free loans and closing cost assistance to qualified applicants to purchase single family houses, condominiums, or cooperative units in the District. The loan amount is based on a combination of factors, including income, household size, and the amount of assets that each applicant must commit toward a property’s purchase. The loan is subordinate to a private first trust mortgage, and HPAP does not accept seller-backed mortgage financing.

HPAP Funds

Applicants will be assisted on a first-come, first-serve basis. Current HPAP Notice of Eligibility(NOE) and Notice to Continue (NTC) holders will be assisted in order of their initial application/NOE date.

A Notice to Proceed (NTP) will be issued by the program administrators (e.g., Greater Washington Urban League and DC Housing Finance Agency). The NTP provides prospective homebuyers a six (6) month commitment from the date of notification where funds will be reserved and allows for the home selection and closing. 

If you have not yet applied for HPAP or received a Notice of Eligibility, or have any other questions, please contact your Housing Counselor or visit Eligibility/How to Apply for more information.

Eligible applicants can receive a maximum of $202,000 in gap financing assistance and an additional $4,000 in closing cost assistance. The HPAP loan for borrowers with incomes below 80 percent of the median family income (MFI) is deferred until the property is sold, refinanced to take out equity, or is no longer their primary residence. Moderate-income borrowers who earn between 80 percent and 110 percent MFI will have payments deferred for five years with a 40 year principal-only repayment period.

The maximum first trust loan amount cannot exceed the Federal Housing Administration’s (FHA) conventional conforming loan limit.

Areas of Interest:

Eligibility

To be eligible for the Home Purchase Assistance Program (HPAP), you must meet the following criteria:

  • Be the head of the household and a first-time homebuyer.
  • Be a very low--to-moderate income resident, based on the Department’s standards.
  • Cannot have had ownership interest in any residential real estate within the three years prior to application.
  • The purchased home must be the borrower’s primary residence and must be located within the District of Columbia.
  • Possess a good credit rating.

Application Priority

Applications are prioritized based on the following: 

  • low income, elderly, handicapped, disabled or displaced District residents
  • other eligible District residents, that are not stated above in a.
  • non-residents who have been employed in the District for one year prior to application
  • non-residents who have lived in the District for three consecutive years as an adult

Please note: District residents always are the priority for HPAP assistance. We will accept applications from non-residents, but they only will be processed when there are no pending applications from District residents.

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