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 Availability
This dashboard will share the amount of Home Purchase Assistance Program (HPAP) funds that are available for Fiscal Year 2026 which begins on October 1, 2025. 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:
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Homebuyer Fact Sheet [English] [En Espanol]