District of Columbia homebuyers can access up to $202,500 in down payment assistance through the DC Housing Finance Agency (DCHFA). On the state's $601,400 median home price, that covers roughly 168% of a standard 20% down payment.
Primary Program: DC Open Doors Down Payment Assistance
maximum assistance
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
- Administering Agency
- DC Housing Finance Agency (DCHFA)
- Purchase Price Cap
- $726,200
How Down Payment Assistance Works
Most state DPA programs are layered on top of a first mortgage — you apply through an approved lender who originates both the primary loan and the DPA second lien at the same closing. The DPA funds reduce the cash you need upfront.
Grants
Free money — no repayment ever. Typically the smallest amounts but highest value.
Forgivable Loans
Balance forgiven after a set period (usually 3–15 years) if you stay in the home. Selling early triggers repayment.
Deferred Loans
No monthly payments. Balance due when you sell, refinance, or pay off your mortgage.
Down Payment Calculator
Down Payment Planner
District of Columbia median pre-loaded
Your Savings Plan
Timeline
20.1 yrs
saving $500/mo
No PMI at 20% down
20% or more avoids private mortgage insurance entirely.
Estimate only — does not include investment returns on savings.
Full Calculator →Frequently Asked Questions
What down payment assistance is available in District of Columbia?
District of Columbia's primary DPA program is the DC Open Doors Down Payment Assistance, administered by the DC Housing Finance Agency (DCHFA). It provides up to $202,500 as a deferred loan. 0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
How much down payment do I need in District of Columbia after using DPA?
On a $601,400 home (District of Columbia median), a 20% down payment is $120,280. With the DC Open Doors Down Payment Assistance covering $202,500, your remaining gap would be $0. Many buyers combine DPA with a 3–5% conventional or FHA loan to reduce their cash needed further.
Do I have to repay District of Columbia down payment assistance?
0% interest, no monthly payments. Repaid when you sell, refinance, or pay off the first mortgage.
Can I combine District of Columbia DPA with other assistance programs?
Yes — District of Columbia's DPA programs can generally be combined ("stacked") with local city and county assistance programs, employer homebuyer benefits, and federal programs. Check with an approved lender or HUD-approved counselor to identify all programs you qualify for.
What are the income limits for District of Columbia down payment assistance?
The DC Open Doors Down Payment Assistance uses a dollar-based income limit rather than a percentage of AMI. Check the DC Housing Finance Agency (DCHFA) website for current limits in your area.
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