: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household.
Washington, D.C. offers some of the most robust homebuyer assistance programs in the country, designed to make the District’s competitive market more accessible. Whether you are a first-time buyer, a local government employee, or just looking to reduce your closing costs, there is likely a program for you. dc home buying programs
: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan. : Generous limits—up to $275,400 as of 2026—calculated
: Minimum credit score of 630 and completion of a HUD-approved homebuyer education course. The Flexible Alternative: DC Open Doors Whether you are a first-time buyer, a local
: Typically requires a minimum credit score of 640. For Public Servants: EAHP and DC4ME