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Home Purchase Assistance Program


The Home Purchase Assistance Program (HPAP) had a record setting year in Fiscal Year 2023. Under Mayor Bowser’s leadership, almost $70 million in HPAP loans were made, supporting almost 470 District residents in becoming first-time homebuyers. Over 300 of these new homebuyers identify as Black or African-American, contributing to Mayor Bowser’s goal of 20,000 net new Black homeowners by 2030.

HPAP Funds Availability

This dashboard shares the amount of Home Purchase Assistance Program (HPAP) funds that are available for Fiscal Year 2024 (FY24) which begins on October 1, 2023.  

At the time that all funds have been reserved, no additional funds will be available. Funds for an HPAP loan are only reserved when a complete lender package is submitted by your lender, and received and confirmed by the HPAP underwriter. 

A complete lender package includes, among other documents, a sales contract, an appraisal, and satisfactory inspections. For more information, please reference your Notice of Eligibility (NOE)*. 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.

*Any HPAP NOE issued after June 22, 2022 is extended to be eligible through December 31, 2023.  


Additional information regarding the FY24 reopening can be found in the FAQ below.

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.

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.

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