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Home Purchase Assistance Program (HPAP)

Quick answer

Home Purchase Assistance Program (HPAP) is a District of Columbia down payment assistance program from DC Department of Housing and Community Development (DHCD). It provides A maximum of $202,000 in gap financing assistance plus $4,000 in closing cost assistance as a deferred-payment loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Interest-free subordinate loan; below 80% AMI repayment deferred until sale/cash-out refi/non-occupancy; 80-110% MFI deferred 5 years then 40-year principal-only repayment; FY2027 funds (from Oct 1, 2026) first-come first-served; July 2026 income chart.

Where does Home Purchase Assistance Program (HPAP) apply?

This city-level program is available to buyers in Washington. Cities on our site where it applies:

DetailProgram terms
AssistanceA maximum of $202,000 in gap financing assistance plus $4,000 in closing cost assistance
TypeDeferred-payment loan
Minimum creditNot published on the program page
First-time buyerSee official page
Income limitsUp to 110% MFI (by income, household size and assets per HPAP Income Assistance Chart)

How does Home Purchase Assistance Program (HPAP) work with an FHA loan?

District of Columbia's 2026 FHA one-unit limits start at $1,249,125, which supports a price of about $1,294,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://dhcd.dc.gov/hpap. Programs can pause when funds run out, so confirm availability with a participating lender.

← All District of Columbia down payment assistance programs

Frequently asked questions

A maximum of $202,000 in gap financing assistance plus $4,000 in closing cost assistance, according to DC Department of Housing and Community Development (DHCD).

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Up to 110% MFI (by income, household size and assets per HPAP Income Assistance Chart)

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.