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Home Purchase Assistance Program Description
The Home Purchase Assistance Program (HPAP) enables lower-and moderate-income individuals and families to purchase affordable housing in Washington, D.C. Qualified HPAP applicants can receive up to $30,000 in financial assistance to purchase single-family houses, condominiums and cooperative apartments. HPAP funds can be used for down payment and/or closing costs.
The HPAP Purchase Assistance is in the form of low interest 5 year deferred loan. To learn more Click Here
Loan amounts are determined by a combination of factors, including income, household size, and the amount of assets that an applicant can commit toward the purchase price of a home. In addition, all loan recipients are required to maintain their properties in compliance with D.C. Housing Codes.
Loan Amounts
VPAP – Very Low-Income Up to $30,000.00
HPAP – Low-Income Up to $20,000.00
MPAP – Moderate Income Up to $10,000.00
Loans will be deferred for the first five (5) years.
Are You Eligible for a Loan?
To be eligible for an HPAP loan, you must meet the following qualifications:
- Legally reside in Washington, DC for at least one year;
- Head a very low, lower, or moderate-income household;
- Not have any ownership interest in any other housing in the Washington, DC area;
- Possess a good credit rating; and
- Have personal funds to contribute towards the purchase:
▪ VPAP applicants must contribute a minimum of $500.00 toward the purchase of a home.
▪ HPAP & MPAP applicants must contribute a minimum of 3% toward the purchase of a home.
Income Guidelines
The following income limits for HPAP applicants were established based on
Fiscal Year 2004 median family income levels for the Washington, DC area, provided by the U.S. Department of Housing and Urban Development (HUD).
| Persons in Household |
Very Low-Income |
Lower-Income |
Moderate-Income |
| 1 |
$29,850 |
$47,800 |
$65,750 |
| 2 |
$34,150 |
$54,650 |
$75,150 |
| 3 |
$38,400 |
$61,450 |
$84,500 |
| 4 |
$42,700 |
$68,300 |
$93,900 |
| 5 |
$46,100 |
$72,550 |
$99,800 |
| 6 |
$49,500 |
$76,850 |
$99,800 |
| 7 |
$52,900 |
$81,100 |
$99,800 |
| 8 |
$56,350 |
$85,400 |
$99,800 |
7 Easy Steps to Home Ownership
Step 1 – Contact the Community-Based Organization (CBO) convenient to you for a pre-application housing counseling session. See List
Step 2 – Gather the HPAP Required Documentation requested by your housing counselor and complete your HPAP application.
Step 3 – When your application is approved by the Greater Washington Urban League (GWUL), you will receive a Notice of Eligibility, which will indicate your financial assistance amount and the qualifying price range for your new house.
Step 4 – Find a house, condominium, or cooperative apartment and enter into a sales agreement to purchase it. Forward a copy of the sales agreement to GWUL.
Step 5 – Complete your mortgage application from your carefully selected financial institution. Be sure to include a copy of your Notice of Eligibility and sales agreement.
Step 6 – Complete the transfer of ownership from the current homeowner to you, which is known as settlement.
Step 7 – Move into your new home.
If your HPAP application is denied by GWUL, you should consider asking your housing counselor the following two (2) questions:
1. Can I do anything to correct the factor(s) responsible for my denial?
2. Can you recommend a strategy to help strengthen my application?
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