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This page includes information on how homeowners can create a rental unit on their property in DC. How Do I Create a Rental Unit On My Property? አማርኛ 中文 Français 한국어 Español Tiếng Việt This resource is provided by: How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. Most single family homes in the District of Columbia are allowed to have a rental unit. Rental units are typically in the basement or backyard of the property. They’re sometimes called accessory dwelling units or two-family flats, depending on the zoning rules for your home. All rental units must have a separate entrance, as well as permanent rooms and appliances for living, sleeping, eating, cooking, and sanitation. Keywords: homeowners, rental unit, rent my home, rent out, how to rent out my house, extra income This page was last updated May 2023. Rental Unit Translations

The District provides homeowners with financial assistance to repair their roof or eliminate barriers to accessibility. You may be eligible if you own a home in DC. 1. Learn about this resource. Residents can get up to $60,000 in grants to assist with roof repairs and accessibility modifications of their home. Up to $30,000 can be awarded to repair a water-damaged or structurally-compromised roof. Up to $30,000 can be awarded to make accessibility modifications for a household member with a mobility or physical impairment. This program is offered by the Department of Housing and Community Development and is called the Single Family Residential Rehabilitation Program. 2. Check if you are eligible. You are eligible if all of these statements are true: You own a home in a building with four units or fewer. Your home has been your primary residence for the past three years or more. You have homeowners insurance for your home. You are a DC resident. You are up to date on your District and federal taxes. You have a credit report that shows you are current on your mortgage payments for the past 12 months. Your yearly gross household income is at or below the maximum limits for your household size. Check below. repair your roof and make your home more accessible? DO YOU WANT TO How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. This resource is provided by: Keywords: homeowners, financial assistance, repair my roof, make my home more accessible, accessibility, physical disability, elderly, old, age-in-place, senior citizen, renovate, chair lift, stairlift, ramp This page was last updated January 2023. አማርኛ 中文 Français 한국어 Español Tiếng Việt SFRRP Translations

DC Government helps residents make their homes more energy-efficient. Your household may be eligible if your income is below the program limits. 1. Learn about this resource. Residents can get financial assistance to reduce their home’s heat, cooling, and electricity use to save money on their utility bills. We—DC Government—can help you figure out what you can do to protect your home from cold, heat, rain, or wind and to improve your home’s energy efficiency. This process is called weatherization and can include work to improve your: Insulation Duct sealing Heating and cooling systems Appliance energy use We work with a local nonprofit to pay for the weatherization projects and find a repair person to complete the projects on your home. This program is called the Weatherization Assistance Program and is offered by the Department of Energy and Environment. 2. Check if you are eligible. You are eligible if all of these statements are true: You live in a single-family home (or a building with four or fewer units) that you rent or own. Your home is in DC. Your home is not in foreclosure. And if at least one of these statements is true: Your household receives support from at least one of the following programs: Temporary Assistance for Needy Families (TANF) or Supplemental Security Income (SSI) or Your household’s annual gross income—your income before paying taxes—is at or below the limits based on your household size. You can check by answering the two questions below. reduce your home’s energy use? DO YOU WANT TO How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. This resource is provided by: አማርኛ 中文 Français 한국어 Español Tiếng Việt How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. Weatherization Translations Keywords: homeowners, renters, make my home energy efficient, income limits. energy bill, reduce energy use, air conditioning, heating, electricity, utility fees This page was last updated October 2022.

Find DC Government resources for maintaining and saving money on your home. Get help maintaining and saving money on my home pay my mortgage make repairs and renovate my home make my home safer save on my utilities save on my taxes make my home environmentally friendly አማርኛ 中文 Français 한국어 Español Tiếng Việt Browse Translations

Find homeowner services from the DC Government by category. Show me resources to... learn about buying and owning a home get ready to buy a home get help buying a home አማርኛ 中文 Français 한국어 Español Tiếng Việt Browse Translations pay my mortgage make repairs and renovate my home make my home safer save on my utilities save on my taxes make my home environmentally friendly

The District offers residents assistance to test and replace lead paint in the home. You may be eligible if a child up to 6 years old spends time in your home or if a pregnant person lives with you. 1. Learn about this resource. Residents can use financial assistance from us—DC Government—to replace lead-based paint from their homes. We work with a local nonprofit to pay for the projects and find a repair person to complete work on your home. This program is called the Lead Reduction Program and is offered by the Department of Energy & Environment. 2. Check if you are eligible. You are eligible if all of these statements are true: You live in DC. You live in a house or building built before 1978. Your household’s annual gross income—your income before paying taxes—is at or below the limits based on your household size. You can check by answering the two questions below. reduce lead paint in your home? DO YOU WANT TO This resource is provided by: አማርኛ 中文 Français 한국어 Español Tiếng Việt You do not need to be a homeowner to apply for this program. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. Keywords: District residents, lead testing, replace lead paint, child, pregnant person, kid, babysitting, expecting This page was last updated October 2022. Lead Reduction Translations

The District offers residents free solar panel installation on their home. Your household may be eligible if you live in DC and your income is below the program limits. 1. Learn about this resource. Residents can have solar panels installed at their home at no cost . We—DC Government—cover the cost for you to work with a local installer to design and install a solar panel system for your home. Solar panel systems can decrease your electricity costs by as much as $500 per year . This program is called Solar for All and Solar Works DC. It is offered by the Department of Energy & Environment, in partnership with the DC Sustainable Energy Utility (DCSEU) and GRID Alternatives Mid-Atlantic, a local nonprofit. 2. Check if you are eligible. You are eligible if all of these statements are true: You live in a single-family home (or a building with four or fewer units) that you rent or own. Your home is in DC. Your name, the name of someone in your household, or your landlord is listed on your electricity bill. And if one of these statements is true: Your household receives utility assistance or support from at least one of the following programs: Supplemental Nutrition Assistance Program (SNAP), Temporary Assistance for Needy Families (TANF), Supplemental Security Income (SSI). or Your household’s annual gross income—your income before paying taxes—is at or below the limits based on your household size. You can check by answering the two questions below. install solar panels on your home for free? DO YOU WANT TO This resource is provided by: How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. አማርኛ 中文 Français 한국어 Español Tiếng Việt How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. SfA Single Family Translations Keywords: homeowners, renters, free home solar panels, income limits, solar power, electric bill, solar roof, conserve energy, energy conservation, energy bill, lower energy bill, save money on my electricity bill, get my electricity from solar, clean energy, sustainability This page was last updated January 2023.

DC Government offers free, expert counseling to help homeowners trying to prevent foreclosure on their mortgage. You may be eligible if you own a home in DC. 1. Learn about this resource. DC homeowners can access free foreclosure prevention counseling to get help if they’re worried about paying their mortgage, are behind on their mortgage payments, or are in the process of foreclosure. A counselor will help you assess your financial situation, consider alternatives to foreclosure, and apply for assistance. Counselors may also connect you to legal assistance if your lender has already started the foreclosure process or if they identify loan fraud or predatory lending—lending that is unfair or abusive. You may receive up to five hours of free legal assistance. This program is called the Foreclosure Prevention Program and is offered by the Department of Insurance, Securities and Banking (DISB), in partnership with Housing Counseling Services (HCS), a local HUD-Certified nonprofit. 2. Check if you are eligible. You are eligible if you own a residential property in the District. prevent foreclosure on your home? DO YOU WANT TO How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. This resource is provided by: Keywords: foreclose, displace, legal aid, housing assistance, lender, bank, homeowner rights, mortgage assistance, scam, eviction court, keep my home This page was last updated May 2022. አማርኛ 中文 Français 한국어 Español Tiếng Việt Foreclosure Translatons

The District offers a rebate for security camera systems outside homes, businesses, nonprofits, and religious institutions in DC. You may be eligible if you are a renter or property owner in DC. 1. Learn about this resource. Renters or property owners can get financial assistance for a security camera system. We—DC Government—offer a rebate after you pay for and install a security camera system on the exterior of a property in DC. The rebate covers the cost of the cameras, up to $200 each. You can receive a rebate for more than one camera, for a total rebate of up to $500 for residential properties , such as houses, townhouses, and apartment buildings, and up to $750 for non-residential properties , such as businesses, nonprofits, and religious institutions. If you have participated in the program for four years or if you can provide a police report for your vandalized camera system, you can reapply for an additional $500 for residential properties, and $750 for non-residential properties. Before reapplying, you must sign into our application system to confirm it has been four years since the date your first application was approved. This program is called the Private Security Camera Rebate Program and is offered by the Office of Victim Services and Justice Grants. 2. Check if you are eligible. You are eligible if all of these statements are true: You rent or own a property in DC. (You can live outside DC, as long as the property you’re applying for is in DC. The property could be a residential property, business, nonprofit, or religious institution.) You purchased and installed a security camera system outside the property you rent or own in DC on or after September 22, 2015. If you do live in DC and receive certain types of public assistance, you may be eligible to receive a free security camera system and installation at your home in DC. get a rebate for a security camera you've installed? DO YOU WANT TO This resource is provided by: አማርኛ 中文 Français 한국어 Español Tiếng Việt How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. Keywords: rebate, reimbursement, security camera system, homeowners, renters, business owners, nonprofits, community-based organizations, churches, temples, mosques, house of worship, apartment buildings, surveillance, safety, theft This page was last updated May 2024. Camera Rebate Translations

District Government offers drop-off locations to collect your food waste and turn it into compost. You may be eligible if you live in DC. drop-off your food scraps to be turned into compost? DO YOU WANT TO 1. Learn about this resource. Residents can bring their food waste to a location near them on weekends. Food waste, like fruit and vegetable scraps, can be broken down into compost. Compost is rich in nutrients and can be added to soil as a fertilizer to help with gardening and farming. We—DC Government—collect your compostable food waste at 12 locations across the District and compost it for you. This program can help if you can’t or don’t want to compost at your home, but you still want to reduce your food waste. This program is called Food Waste Drop-Off and is offered by the DC Department of Public Works. 2. Check if you are eligible. You may be eligible if you live in DC. We don't accept commercial compost. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. This resource is provided by: Keywords: compost drop-off, farmers' markets, reduce food waste, composting, renters, homeowners, sustainability, conservation This page was last updated October 2023. አማርኛ 中文 Français 한국어 Español Tiếng Việt Food Waste Translations

District Government offers workshops and rebates to turn your food waste into compost at home. You may be eligible if you live in DC. get a rebate for a bin to turn your food scraps into compost? DO YOU WANT TO 1. Learn about this resource. Note: The Home Composting Program is currently undergoing redesign and will be relaunched later in 2024. Additional information and workshop dates are forthcoming. For questions about the Home Composting Program, or to be notified when workshops are scheduled, please email zero.waste@dc.gov Residents can get a rebate when they attend a required workshop and buy composting equipment for their home. Food waste, like fruit and vegetable scraps, can be broken down into compost. Compost is rich in nutrients and can be added to soil as a fertilizer to help with gardening and farming. We—DC Government—offer a one-time rebate of up to $75 and not more than the cost of the system minus $25. For example, if you buy a $90 composting system, you can get a $65 rebate. This program is called Home Composting and is offered by the DC Department of Public Works. If you can’t or don’t want to compost at your home, you can bring your food waste to a location near you on weekends, and we’ll compost it for you. 2. Check if you are eligible. The Home Composting Program is curre ntly undergoing redesign and will be relaunched in 2024. See note above for more information. This resource is provided by: አማርኛ 中文 Français 한국어 Español Tiếng Việt How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. Keywords: composting workshop, rebate, reduce food waste, compost at home, homeowners, renters, sustainability, refund, conservation, discount This page was last updated October 2023. Composting Translations

Landed (a financial services company) helps DC educators and public school employees make a down payment on a home. You may be eligible if you are a staff member or educator in DC’s locally-funded education system. 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 $120,000 —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? DO YOU WANT TO How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. How do I apply? Email Capital Area Asset Builders (or CAAB), a nonprofit organization that partners with DC Government to run this program, at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. If it’s easier, you can call CAAB at (202) 419-1440. CAAB will send you an application form. Send the form back to CAAB by email. You’ll also need to provide documentation, including your two most recent pay stubs and the most recent tax return for anyone in the household with income from working. Applications are accepted on a rolling basis until the program has reached capacity. If there are no available slots, CAAB will put you on the waitlist. Applicants on the waitlist will be contacted when more funding becomes available. What happens after I apply? Within 5 business days, CAAB will notify you by email to let you know if your application is accepted or not. If you’re approved, CAAB will schedule a time for you to meet or talk on the phone with a financial counselor. The financial counselor will provide advice tailored to you and work with you to name a goal for your savings. You will also need to sign an agreement for your participation in the program and complete a survey about your financial situation. CAAB will create a savings account with Citibank, owned by both you and us—DC Government. You will contribute at least $25 a month to your new savings account for 6-18 months. You can contribute in person at the bank or by setting up an automatic deposit from your paycheck. When you’re ready to withdraw the funds, we will match your savings with $4 for every $1 you deposit. You can save up to $1,500 over 6-18 months to receive up to $6,000 in matched savings, for a total savings of up to $7,500. You will use your matched savings towards the goal that you chose earlier in the process! Are there any additional requirements I should know about? You must make a minimum deposit of $25 each month. You must contribute monthly to the savings account for at least six months within 18 months of opening it. You must receive financial coaching before withdrawing from your matched funds. You can take the money out of your account after you’ve reached your savings goal or if you are approved for an emergency withdrawal. Your savings must go toward: Purchasing a home in DC as your primary residence Launching a small business in DC for yourself or for your spouse, domestic partner, father, mother, child, or dependent Post-secondary educational costs, such as college, trade school, or other classes at an institution of higher education for yourself or for your spouse, domestic partner, father, mother, child, or dependent Job training costs with an accredited or licensed program for yourself or for your spouse, domestic partner, father, mother, child, or dependent Major repairs or improvements to the home you live in Costs associated with a medical emergency that aren’t covered by insurance Saving for retirement Paying for costs and expenses that come up during retirement 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 Capital Area Asset Builders by phone at (202) 419-1440 or via email at DCOpportunity@caab.org with the subject line “DC Opportunity Account”. I'm not eligible, but I need help with my finances. What should I do?" You can find information about other resources that might help on our [issue] resources page. Frequently Asked Questions Is this a program run by the DC government? Yes. We—DC Government—partner with Capital Area Asset Builders, a nonprofit organization whose mission is to create opportunities for individuals with low and moderate incomes in DC to build financial security. Can I make an emergency withdrawal from my account? Yes. You can make one emergency withdrawal while you’re saving in the account. If you need to pay for medical emergency costs not covered by insurance or for health insurance premiums in the event of a sudden, unexpected loss of income, you can make an emergency withdrawal that includes your own funds, as well as DC matching funds. These withdrawals do not need to be repaid, but you must resume regular deposits within 90 days. If you need to make an emergency withdrawal for another reason, including to prevent an eviction and to help with living expenses following loss of employment, you may withdraw your own funds only and must repay your account within 12 months. Is it possible to build credit using this account? No, unfortunately, because this is an account co-owned by you and us, depositing in this account won’t improve your credit score. I want to use my savings toward buying a home. Do I need to notify the program? Yes. You will need to live in the home, and it must be located in DC. Can I save more than $1,500 in the savings account? Yes. You can save more than $1,500, but the program will only provide a match of up to $6,000. Any funds that you contribute after the amount of $1,500 will not be matched. We still encourage you to save as much as you can! In addition to the match, will the money I put in the savings account earn interest? A typical savings account lets you store cash securely with a bank and earns interest on the money you save. This special savings account does not earn interest, but the match from us is much larger than the typical interest rate would offer. If I have participated in the program before and received a match, can I participate again? There is more interest in the program than spots available, so we are only able to accept applicants participating for the first time. አማርኛ 中文 Français 한국어 Español Tiếng Việt Note: This program is no longer available. Keywords: DC educators, down payment, DC Public Schools, DC Charter Schools, teacher, principal, school staff, homebuying assistance, homebuyer, District employee, DC employee, DC employee benefits, government employee This page was last updated January 2023. Landed Translations