For those who exceed HPAP income limits or need a faster process, DC Open Doors is a highly accessible option through the D.C. Housing Finance Agency (DCHFA) .
HPAP is the cornerstone of D.C.’s housing assistance, providing "gap financing" for low- to moderate-income residents. dc home buying programs
: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household. For those who exceed HPAP income limits or
: Minimum credit score of 630 and completion of a HUD-approved homebuyer education course. The Flexible Alternative: DC Open Doors : Generous limits—up to $275,400 as of 2026—calculated
: Offers a Down Payment Assistance Loan (DPAL) covering up to 3% or 3.5% of the purchase price. Key Advantage : Open to both first-time and repeat buyers .
: Payments are deferred for five years, followed by a 40-year principal-only repayment period.
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