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.
get help paying your mortgage during COVID-19?
DO YOU WANT TO
If you haven’t already, call your lender or loan servicer right away using the phone number on your monthly statement to find out if you qualify for assistance from your lender or loan servicer. If your loan is eligible for assistance from your lender or loan servicer, you’re not eligible for this program.
Call the DC MAP hotline at 1-833-429-0537. We'll ask you some questions to confirm your eligibility. If you’re eligible, we’ll ask for your contact information, so a housing counselor can follow-up with you to complete an application. If you’re not eligible, we’ll refer you to other resources that may be available to help.
After the call, we’ll email you with a list of documents for you to gather before you meet with the housing counselor. These documents will confirm your eligibility and help them understand your financial situation and the current status of your mortgage.
A housing counselor will contact you to schedule a meeting. The housing counselor will work with you to complete your application during the meeting.
4. Gather more information.
What happens after I apply?
We—DC Government—will review your application.
We will mail you a letter or send you an email saying that you are approved.
We will prepare the loan paperwork and schedule a day and time for you to sign your documents, including a loan agreement.
We will wire the loan money to your loan servicer, which is the bank where you send your mortgage payments.
Are there any additional requirements I should know about?
Who should I contact if I have questions?
I still need help paying my mortgage. What should I do?
You can find information about other resources that might help on our mortgage resources page.
Frequently Asked Questions
Do all eligible applicants get an emergency loan?
This resource is provided by:
Keywords: relief, foreclosure, overdue, unemployed, job loss, laid off, fired, income loss
This page was last updated February 2021.