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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.

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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.