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 $151,200. 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.
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?
DO YOU WANT TO
Contact an approved lender that partners with DC4ME, or find out if your current lender will sign-up to participate.
Your lender will verify that you qualify for the program. You may need to provide proof that you meet the eligibility requirements listed above.
4. Gather more information.
What happens after I apply?
You make an offer on a property, and it’s accepted. That means you’re under contract on a home!
Your lender gives you loan disclosures to sign.
The lender reserves your interest rate in the program portal.
If you’re also applying for assistance with your down payment, the lender submits your application for that, at least five days before closing.
We review your loan application. This usually takes 2-3 days, but if you’re also applying for down payment assistance, it may take up to five days.
The lender receives documents for you to sign.
If you applied for down payment assistance, we will send our portion of your down payment to the title company.
Two to three days before closing, you send any part of the down payment or closing costs not covered by the program to the title company.
You go to the settlement and sign the deed to close on the home.
You own your home!
Are there any additional requirements I should know about?
If you just applied for a reduced mortgage rate, you’ll make mortgage payments like a typical mortgage. If you received a loan to help with your down payment, you don’t make monthly payments on that loan. You’ll need to repay it after 30 years, or if you move, rent or sell the home, or refinance—whichever happens first.
Who should I contact if I have questions?
I still need help preparing to buy a home. What should I do?
You can find information about other resources that might help on our homebuying resources page.
Do all eligible applicants receive assistance?
Frequently Asked Questions
What costs of buying a home aren’t covered by the program?
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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 2021.