1. Learn about this resource. 

Residents can get an interest-free loan to pay their mortgage for up to six months during the coronavirus (COVID-19) public health emergency. We—DC Government—offer a loan to cover up to $5,000 of your mortgage payment to a lender or loan servicer (including your principal, interest, taxes, and insurance). If you pay your property taxes directly to DC Government or your homeownership insurance directly to your insurer, this loan will not cover those. You can receive the loan each month for up to six months. You will start repaying the loan 30 days after you stop receiving assistance, and you’ll have 3 years to repay the full amount.

 

This program is called the District of Columbia Mortgage Assistance Program (DC MAP) COVID-19 and is offered by the DC Housing Finance Agency.

2. Check if you are eligible.

You are eligible if all of these statements are true:

  • Your income was reduced as a result of the public health emergency.

  • You own the home that you live in.

  • Your home is in DC.

  • You are listed as a borrower on your mortgage.

  • Your monthly mortgage payment, including your principal, interest, taxes, and insurance, is $5,000 or less.

  • You’ve been unable to pay all or some of your mortgage payments since April 1, 2020.

  • You were up-to-date on your mortgage payments, including the one due on March 1, 2020, before the public health emergency. That means you paid the payment due on March 1, 2020 before March 30, 2020.

  • Your loan is not eligible for assistance from your lender or loan servicer. If there are multiple borrowers on your mortgage, at least one borrower must be eligible based on the statements above.

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Keywords: relief, foreclosure, overdue, unemployed, job loss, laid off, fired, income loss

This page was last updated February 2021.