Housing Programs For Home Buyers

Washington DC ~ Maryland ~ Virginia

​There are numerous programs available in Washington, D.C., Maryland, and Virginia designed to assist homebuyers, particularly first-time purchasers.

These programs are designed to make homeownership more accessible and affordable. Eligibility requirements and benefits vary, so it's advisable to consult the respective program's official resources or contact local housing agencies for detailed information.

Washington, D.C.:

  1. Home Purchase Assistance Program (HPAP): Offers interest-free loans and closing cost assistance to eligible first-time homebuyers for purchasing single-family houses, condominiums, or cooperative units in the District. Assistance amounts are based on income, household size, and assets. ​https://dhcd.dc.gov/service/home-purchase-assistance-program

  2. DC Open Doors (DCOD): Provides fully forgivable second-trust loans and below-market interest rates for first-trust mortgages, facilitating home purchases in D.C. ​ https://dchfa.org/lenders/dc-open-doors/

  3. Negotiated Employee Assistance Home Purchase Program (NEAHP): Offers financial assistance to employees of participating employers to purchase homes in D.C. ​ https://dhcd.dc.gov/neahp

  4. Employer-Assisted Housing Program (EAHP): Provides down payment assistance and matching funds to D.C. government employees purchasing their first home in the District. ​https://dhcd.dc.gov/eahp

  5. DC4Me: Offers mortgage assistance to D.C. government employees, including down payment and closing cost support.  https://dchfa.org/homeownership/dc4me/

Maryland:

  1. Maryland Mortgage Program (MMP): Provides a range of programs, including competitive rate mortgage loans, down payment assistance, and Partner Match initiatives to make homeownership more affordable.  https://marylanddownpaymentassistance.org/

  2. 1st Time Advantage Program: Offers 30-year fixed-rate mortgages with competitive interest rates for first-time homebuyers, which can be paired with down payment assistance options. ​ https://mmp.maryland.gov/pages/1sttimeadvantage.aspx

  3. Pathway to Purchase: Provides up to $25,000 in down payment and closing cost assistance for first-time homebuyers purchasing in Prince George's County. ​https://www.princegeorgescountymd.gov/business/redevelopment-authority/first-time-home-buyer-assistance-programs/pathway-to-purchase

  4. Bowie First Mortgage Assistance Program: Offers financial assistance to first-time homebuyers purchasing within the City of Bowie. ​https://www.cityofbowie.org/948/Home-Buyer-Assistance-Program

  5. Revolving Closing Cost Assistance Program: Provides up to $10,000 in down payment assistance for homebuyers working in Montgomery County. ​ https://www.hocmc.org/housing-opportunities/homeownership/the-mortgage-purchase-program/closing-cost-down-payment-assistance-program/

  6. Settlement Down Payment Loan (Howard County): Offers down payment assistance to first-time homebuyers meeting income requirements in Howard County. ​https://www.howardcountymd.gov/DHCD-SDLP

  7. Hometown Heroes Homebuyer Program (Harford County): Provides up to $5,000 in down payment assistance to eligible first-time homebuyers working in specific public service roles.

Virginia:

  1. HOMEownership Down Payment and Closing Cost Assistance Program (DPA): Offers flexible gap financing for first-time homebuyers at or below 80% of the area median income to purchase safe and accessible homes. ​https://www.dhcd.virginia.gov/dpa

  2. Virginia Housing Down Payment Assistance Grant: Provides true grants that do not require repayment, which can be paired with other non-Virginia Housing assistance. ​https://www.virginiahousing.com/partners/lenders/down-payment-assistance-grant

  3. Virginia Individual Development Accounts (VIDA): Helps qualified individuals save for a down payment on a home, offering training, support, and matching funds on their savings. ​https://www.dhcd.virginia.gov/vida

  4. Moderate-Income Purchase Assistance Program (MIPAP) (Arlington County): Provides deferred-payment, no-interest loans of up to 25% of the home purchase price for first-time buyers in Arlington. ​https://www.arlingtonva.us/Government/Programs/Housing/Get-Help/Home-Ownership/MIPAP

  5. First-Time Homebuyer Program (Fairfax County): Offers access to new and resale homes at below-market prices to qualified homebuyers. ​https://www.fairfaxcounty.gov/housing/homeownership/FirstTimeHomebuyers

  6. Homeownership Loan Programs (Loudoun County): Includes Down Payment/Closing Cost Assistance, Public Employee Homeownership Grant Program, and SPARC program to assist moderate-income, first-time homebuyers. ​https://www.loudoun.gov/1800/Homeownership-Loan-Programs

  7. First Time Homebuyers Program (Prince William County): Provides loans for down payment and closing cost assistance to low and moderate-income first-time homebuyers. ​https://www.pwcva.gov/department/housing-community-development/First%20Time%20Homebuyers%20Program

  8. Homebuyer Assistance Program (City of Alexandria): Offers services including first-time homebuyer training, reduced interest financing, and access to resale-restricted affordable units. https://www.alexandriava.gov/housing-services/homebuyer-resources