: Minimum credit score of 630 and completion of a HUD-approved homebuyer education course. The Flexible Alternative: DC Open Doors
: Up to $202,000 for a down payment and a separate $4,000 for closing costs. Structure : A 0% interest, deferred loan. dc home buying programs
: Payments are deferred for five years, followed by a 40-year principal-only repayment period. : Minimum credit score of 630 and completion
For those who exceed HPAP income limits or need a faster process, DC Open Doors is a highly accessible option through the D.C. Housing Finance Agency (DCHFA) . : Payments are deferred for five years, followed
: Generous limits—up to $275,400 as of 2026—calculated only on the borrower’s income, not the entire household.
: Must be a first-time homebuyer (no ownership in 3 years), a D.C. resident (priority given), and meet income limits based on household size.