Home Purchase Assistance Program (HPAP)

About This Program

DHCD's HPAP provides deferred-payment gap financing loans and closing cost assistance to first-time, low-to-moderate income homebuyers in DC. FY26 maximum is $202,000 in gap financing plus $4,000 in closing cost assistance. When combined with an FHA 203(k) or SFRRP, HPAP can be part of a comprehensive strategy to purchase and rehabilitate an existing DC home. Repayment is deferred until sale, transfer, or refinancing.

Using FY26 published maximums: $202,000 + $4,000 = $206,000.

Key Details

• Up to $202,000 gap financing + $4,000 closing costs (FY26)
• Deferred repayment – due at sale, transfer, or refi
• First-time homebuyer; low-to-moderate income required
• Pairs with 203(k) for purchase-plus-rehab strategy
• Apply through a DHCD-approved homeownership CBO

How to Apply

Deadline: Rolling – FY26 funds available