DCHFA’s Single Family Programs division manages all of the Agency’s homeownership programs with the goal of expanding and retaining homeownership opportunities in the District of Columbia.
The Agency offers a variety of programs for current and potential homeowners. Many of these programs may be combined and used simultaneously. Take a look below and ask your lender if you qualify for one or more of these programs.
DC Open Doors
DC Open Doors (DCOD) is your key to homeownership in the city. The program offers competitive interest rates and lower mortgage insurance costs on first trust mortgages. Financial assistance through DCOD is provided in the form of a deferred 0% non-amortizing (no monthly payments) loan that is due and payable upon any one of the following: thirty (30) years from the date of loan closing; sale or any transfer (by gift or otherwise) of the property to another person, business, or entity; property ceases to be your principal residence, or refinancing your first trust mortgage. You are not required to be a first-time homebuyer to qualify for DC Open Doors. You must, however, be purchasing a home in the District of Columbia to qualify.
Mortgage Credit Certificate (MCC)
The Mortgage Credit Certificate (MCC) provides an additional incentive for first-time homebuyers to purchase a home in the District of Columbia. An MCC provides qualified borrowers the ability to claim a Federal Tax Credit of 20 percent of the mortgage interest paid during each calendar year.
Home Purchase Assistance Program (HPAP)
DCHFA serves as a co-administrator of the DC Department of Housing and Community Development’s (DHCD) first-time homebuyer program HPAP. The program provides down payment and closing cost assistance in the form of interest-free loans to qualified applicants for the purchase of their primary residence, to include single-family houses, condominiums, or cooperative units.
Please see DHCD’s Household income standards and assistance amounts.
The District of Columbia Mortgage Assistance (DC MAP)
At DCHFA we recognize that retaining homeownership is as important as becoming a homeowner. We created DC MAP to provide emergency mortgage support for District homeowners that are experiencing an unanticipated financial hardship due to sudden decrease or loss of income.
Reverse Mortgage Insurance & Tax Payment Program (ReMIT)
Reverse Mortgage Insurance & Tax Payment Program (ReMIT) allows qualified homeowners to receive financial assistance for delinquent property taxes, homeowner’s insurance, and certain property related expenses paid by your Servicer that have put the homeowner at risk of foreclosure. Qualified homeowners can receive up to $25,000 in assistance in the form of a zero-interest, non-recourse loan.
DC4ME provides D.C. government employees a first trust mortgage at a reduced interest rate. The rate comes with or without the option of three percent down payment assistance with a zero percent deferred subordinate loan.
DC4ME is offered to current full-time District Government employees, including employees of District Government-based Instrumentalities, Independent Agencies, District of Columbia Public Charter Schools, and organizations, provided the applicant/borrower’s employer falls under the oversight of the Council of the District of Columbia.
Find a Lender
If you want to begin the process of purchasing a home, you will need to work with a Lender. DCHFA has a list of Participating Lenders that can guide you through the various home buying programs we offer. DC Open Doors and MCC programs require the use of a Participating Lender; HPAP does not require the use of a Participating Lender. Click below to see the list of DCHFA participating lenders.