USDA loan snapshot for District of Columbia
| Item | Estimate |
|---|---|
| Minimum down payment | 0% |
| Minimum credit score | Typically 640 for automated approval |
| Typical DC home value | $724,600 |
| 3.5% down on typical home | $25,361 |
| 20% down on typical home | $144,920 |
| Avg. effective property tax | 0.58%/yr (~$348/mo) |
| Income for typical home (31% rule) | $220,000 |
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Which District of Columbia programs pair with USDA loans?
- DC Open Doors: Competitive-rate loans with optional down payment assistance for buyers within income limits; first-time status not required.
- Home Purchase Assistance Program (HPAP): Interest-free deferred loans from DC's Department of Housing and Community Development for eligible first-time buyers.
Details and current limits: DC Housing Finance Agency (DCHFA).
How do I know if a home is USDA eligible?
Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.
USDA income limits
Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.
USDA loans in District of Columbia cities
Frequently asked questions
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Get My MatchesFigures 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.