1. Learn about this resource. 

DC Government and public university employees can receive down payment assistance from a financial service company called Landed. You can receive 15% of a home’s sale price or $80,000 —whichever is less—to reach a 20% down payment. After putting money towards the down payment, you’ll work with one of Landed’s participating lenders to get a mortgage for the rest of the home’s cost. This investment in your home means that Landed shares in any gain or loss you make when 1) you sell your home or 2) if you buy Landed out of their portion of the down payment. 


Landed also provides education and guidance throughout the home buying process.

2. Check if you are eligible.

You are eligible if all of these statements are true:

  • You work full-time for DC Government or a public university in the District of Columbia.

  • You are buying a home located in the District of Columbia or approved counties nearby.

You do not need to be a first-time home buyer to partner with Landed. There are no income restrictions to partner with Landed. 

get help co-buying a home as DC Government employee?


3. Apply.

  1. Complete the online sign-up form.
You can apply to receive down payment assistance at any time of year.

4. Gather more information.

What happens after I apply?

  1. You’ll immediately receive an email from Landed inviting you to schedule a call with a Landed representative in the next 1-3 business days.
  2. Landed will confirm that you are an eligible employee and address your questions. If you’re eligible, Landed will provide you with a welcome letter and an initial confirmation that they will provide down payment funds.
  3. A Landed participating lender will review your financials and pre-approve you for a mortgage.
  4. You and your agent will start searching for a home. Landed has a network of local, partner agents who specialize in this program.
  5. Landed will provide you with a property-specific support letter.
  6. You make an offer on the home with Landed’s down payment assistance included.
  7. If your offer is accepted by the seller, you move forward with the home purchase. Landed will review the home inspection report and homeowners’ association documents (if applicable) and issue you a summary report to aid your review of the sale.
  8. If you are comfortable with the summary report findings, you move forward to finalize the sale. This typically takes 21-45 days from the day your offer is accepted by the seller.
If you or the property you’d like to purchase are not approved, Landed will contact you by phone or email. Your Landed lender can offer advice on reapplying when your credit and/or finances improve.

Are there any additional requirements that I should know about?

  • You must qualify for a mortgage with a Landed participating lender.
  • You must stay with your current employer for at least two years after you buy your home.
  • Landed requires a minimum down payment. This amount is determined after your initial consultation with a Landed representative.
  • You must live in the property for at least a year, but you’re welcome to rent out a room while you live in the home.
  • When you sell your home or buy out Landed’s share, Landed shares in any gain or loss made over the period of your home ownership. In most instances, you repay the amount Landed invests plus a percentage of the home’s appreciation. If the home loses value, you repay the amount Landed invests minus a share of the home’s depreciation.

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, you can use the contact form or email the team at customer@landed.com.

I still need help with down payment assistance. What should I do?

You can find information about other resources that might help you prepare to buy a home on our resource page.

Frequently Asked Questions

Is this program run by the DC government? No, Landed is a private company that partners with public schools and other educational institutions across the nation. What happens if I sell my home within the first year of owning it? If you sell within the first two years, you must pay Landed back the amount they put forward plus a minimum return. How can I find out if my employer is on the list of approved schools? Reach out to Landed by emailing customer@landed.com and sharing the name of your employer and school. If they’re not on the list, you may ask Landed to consider working with your school in the future. Is there a maximum price on the home I can purchase with Landed? No, there is no maximum. What is the legal relationship between myself and Landed? You are the named owner of the home on the title. Landed is recorded on the title as an interested party.

Do all eligible applicants receive down payment assistance?

Yes, all eligible applicants can receive assistance.

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This page was last updated April 2021.