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1. Learn about this resource. 

Homebuyers who work for District Government can receive assistance when buying a home in the District. We—DC Government—offer lower interest rates on your mortgage and an optional loan of up to 3% of your home’s price to help with your down payment.


This program is called DC4ME 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:

  • You are currently a full-time employee of the District, a DC independent agency, or a DC public school. Check the list of eligible employers.

  • You have a minimum credit score of 640.

  • Your yearly gross income—your income before paying taxes—is at or below $199,200. This includes money from working, government assistance, child support, and any other sources for everyone in your household.

  • Your debt-to-income ratio is less than 50%. This means that your monthly debt payments (such as car payments, minimum due on credit card balances, and student loan payments) are less than half of your monthly income.

  • You’re buying a single-family home, condominium, or other property with up to one unit.

  • The home you’re buying has been appraised and is in normal condition.

  • You haven’t owned a home anywhere in the world in the last 3 years.

  • Your mortgage loan is a maximum of $726,200.


You do not need to be a current DC resident to apply.

get a lower interest rate and help making a down payment as a DC Government employee?


This resource is provided by:


Keywords: DC Government employee, homebuying assistance, homebuyer, lower interest rates, mortgage, down payment assistance, DC independent agency employee, DC public school employee, District employee, DC employee benefits

This page was last updated May 2023.

DC4ME Translations
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