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

3. Apply.


  1. 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.
  2. 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.
  3. 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.
  4. A housing counselor will contact you to schedule a meeting. The housing counselor will work with you to complete your application during the meeting.
You can apply at any time.





4. Gather more information.

What happens after I apply?


  1. We—DC Government—will review your application.
  2. We will mail you a letter or send you an email saying that you are approved.
  3. We will prepare the loan paperwork and schedule a day and time for you to sign your documents, including a loan agreement.
  4. We will wire the loan money to your loan servicer, which is the bank where you send your mortgage payments.
If you are not approved, we will mail you a letter or send you an email to let you know.




Are there any additional requirements I should know about?


If you receive this loan, you will start repaying it 30 days after you receive your sixth month of assistance. You’ll have 3 years after your payments begin to repay the full amount. Since this is an interest-free loan, your monthly payment will be calculated by dividing the loan amount by 36 months.




Who should I contact if I have questions?


First, take a look at the frequently asked questions at the bottom of the page. If you still have questions, please reach out to the DC MAP team at 1-833-429-0537, Monday through Friday, 9 am to 5 pm. Or, you can email the team at DCMAP@dchfa.org. Include your daytime and evening contact information in your email.




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


What happens if I do not start repaying the loan on time or I’m not able to pay it back in full within 3 years? Call us at 1-833-429-0537 to discuss your financial situation and talk through the options available to you. Does this loan cover my property tax and homeowner insurance payments? The loan can cover your property tax and homeowner insurance payments if you usually pay those monthly to your lender or loan servicer, meaning that they’re in escrow. If you pay your property taxes and homeowners insurance premium directly to DC Government or to your insurer, then this loan cannot cover your tax or insurance payments. Can I reapply if I have received a loan from this program before? No, you can only receive a loan from this program once. You can find information about other resources that might help you pay your mortgage here. Can I reapply if I am not approved? Yes. If your application was not approved because your loan was eligible for assistance from your lender or loan servicer but that assistance is no longer available, you can reapply for a loan from this program.




Do all eligible applicants get an emergency loan?


No. Loans are granted on a first-come, first-serve basis until we—DC Government—run out of funding.





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

This page was last updated February 2021.