Down payment assistance in Washington, DC
10 programs from the state, counties, cities, and employers, plus the nationwide options. 9 accepting applications as of our last check, 1 out of funds with a waitlist you can join.
Narrow it down
Showing 10 programs, plus 1 that ended.
Accepting applicationsWashington, DC
DC Employer-Assisted Housing Program (EAHP) for District Government Employees
- Up to $20,000 deferred loan plus up to $5,000 matching grant; first responders and educators can reach $45,000
- Deferred loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC First-Time Homebuyer Reduced Recordation Tax Rate
- Buyer's recordation tax cut to 0.725% from 1.1% or 1.45% on homes up to $777,000; saves up to about $5,600
- Tax relief · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC Inclusionary Zoning (IZ) Homeownership Program
- Below-market purchase price on a new condo or townhome, set by DHCD and offered by lottery; no cash assistance
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC Negotiated Employee Affordable Home Purchase Program (NEAHP)
- $3,000 to $20,000 grant based on years of service; up to $26,500 when two eligible spouses buy together
- Forgivable loan · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC Open Doors (DCHFA)
- 3% of the price (conventional) or 3.5% (FHA) as a 0% deferred second, covering your minimum down payment
- Deferred loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC Tax Abatement Program (Lower Income Homeownership Exemption)
- No DC property tax for five years, plus the deed is exempt from DC recordation and transfer taxes at closing
- Tax relief · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC4ME Reduced-Rate Mortgage for District Government Employees (DCHFA)
- Reduced-rate 30-year fixed first mortgage, with optional 3% down payment assistance as a 0% deferred loan
- Reduced-rate mortgage · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
DC4ME VA Loan Product for Military-Connected Buyers (DCHFA)
- VA first mortgage with 3% of the loan amount toward closing costs and prepaids, funded by DCHFA
- Deferred loan · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsWashington, DC
HomeAdvantage DC (DCHFA Mortgage Revenue Bond Program)
- Below-market 30-year fixed rate, plus optional 3% (conventional) or 3.5% (FHA/VA) down payment assistance
- Reduced-rate mortgage · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Out of funds. Expected back October 2026Washington, DC
DC Home Purchase Assistance Program (HPAP)
- Up to $202,000 in gap financing plus up to $4,000 toward closing costs (table effective 2026-07-01)
- Deferred loan · First-time buyers only
- Fiscal year 2026 funds are fully reserved. New money usually arrives with the District budget year in October. Start with a counseling agency now so your Notice of Eligibility is ready when funds return.
Verified Sep 23, 2026Details
Nationwide programs any buyer here can use
Federal loan programs, nonprofit paths, and bank grants that are not tied to one state.
Accepting applicationsNationwide
Bank of America Down Payment Grant and America's Home Grant
- Down Payment Grant of 3% of the price up to $10,000, plus America's Home Grant lender credit up to $7,500 for closing costs
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Chase Homebuyer Grant
- $2,500 or $5,000 depending on the census tract, applied to closing costs, points, or down payment
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Citi Lender Paid Assistance and HomeRun Mortgage
- Lender credit up to $7,500 toward closing costs, including points, on a Citi purchase mortgage
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomePath Ready Buyer Closing Cost Assistance
- Up to 3% of the purchase price toward closing costs on a Fannie Mae HomePath home
- Grant · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Fannie Mae HomeReady Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
FHA 203(b) Mortgage With 3.5% Down
- Down payment as low as 3.5% of the purchase price, and it can be a gift
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac BorrowSmart and BorrowSmart Access
- Down payment and closing cost credit sized by income tier; Freddie Mac has published $2,500 for buyers at or below 50% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Freddie Mac Home Possible Mortgage
- 3% down conventional loan for buyers at or below 80% of area median income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Habitat for Humanity Homeownership Program (DMV Affiliates)
- A newly built or renovated home sold with an affordable mortgage sized so the payment stays near 30% of income
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Housing Choice Voucher (Section 8) Homeownership Program
- Your monthly voucher subsidy is applied to mortgage and ownership costs instead of rent
- Other help · First-time buyers only
Verified Sep 23, 2026Details
Accepting applicationsNationwide
HUD Good Neighbor Next Door Sales Program
- 50% off the HUD list price of an eligible HUD-owned home
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
NACA Purchase Program (Neighborhood Assistance Corporation of America)
- No down payment, no closing costs, no fees, and no mortgage insurance for qualified members
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
TD Bank Right Step Mortgage (and TD Home Access)
- 3% down with no borrower-paid mortgage insurance; a $2,500 grant on TD's HomeReady loans for buyers at or below 50% of AMI through 1/29/27
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Truist Community Homeownership Incentive Program (CHIP)
- Mortgage with 0% to 3% minimum down payment, no mortgage insurance, and up to 100% financing in the Washington, Baltimore, and Richmond metros
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
USDA Rural Development Section 502 Single Family Housing Guaranteed Loan
- No down payment required for eligible buyers in USDA-eligible areas; financing up to 100% of appraised value plus the upfront fee
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
VA Home Loan (Purchase Loan)
- No down payment required for eligible buyers when the price is at or below the appraised value
- Other help · Repeat buyers welcome
Verified Sep 23, 2026Details
Accepting applicationsNationwide
Wells Fargo Homebuyer Access Grant
- $10,000 toward the down payment, with up to $5,000 more in closing cost credit for buyers under 80% of AMI
- Grant · Repeat buyers welcome
Verified Sep 23, 2026Details
Status not confirmedNationwide
FHLBank Atlanta Homeownership Grants (First-time Homebuyer and Community Partners Products)
- Up to $17,500 for first-time buyers, up to $20,000 for the Community Partners Product
- Grant · First-time buyers, with exceptions
Verified Sep 23, 2026Details
Programs that have ended
Buyers still search for these. They are listed so you know not to plan around them.
Program details are summarized from public sources and change without notice. Funding badges reflect the last time we checked, not a guarantee of availability. This is buyer education from a real estate agent, not a loan pre-approval or a commitment to lend. Eligibility is decided by each program administrator and your lender. Equal Housing Opportunity.
Buying in Washington, DC? Let's line up your programs first.
Sean will tell you which programs are worth applying for, which ones stack, and what to do before you write an offer so you do not lose the money on a technicality.