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Property taxes are annual fees you—the homeowner—are required to pay to the DC Government. The tax is based on the value of your DC home(s). The taxes you pay go towards local services like schools, road repair, and the fire department. In DC, about 15% of local services and programs are paid for through property taxe How do Property Taxes Work? 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. Property taxes are annual fees you—the homeowner—are required to pay to the DC Government. The tax is based on the value of your DC home. The taxes you pay go towards local services like schools, road repair, and the fire department. In DC, about 15% of local services and programs are paid for through property taxes. አማርኛ 中文 Français 한국어 Español Tiếng Việt Tax Explainer Translations Keywords: annual property taxes, homeowners, reduce property taxes, pay property taxes, property tax bill, property tax assessment, defer taxes, how much do I owe, what is the value of my home, appraise my home This page was last updated May 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

DC Government offers long-term homeowners a credit on their property taxes. You may be eligible if you have lived in your DC home for seven consecutive years and meet the income requirements. 1. Learn about this resource. Residents can receive a tax credit for owning and living in a DC home for at least seven consecutive years. The size of the credit depends on the amount of property taxes you paid in the past two years. This credit is called the Lower Income Long-Term Homeowner Credit (or the Schedule L Tax Credit), and is offered by the Office of Tax and Revenue. 2. Check if you are eligible. You are eligible if all of these statements are true: You own a home or a unit in a cooperative housing association in DC. You have lived in your home for at least seven consecutive years. Your home is in DC. You have paid DC property taxes for your home for the last two tax years. Your property receives the DC Homestead Deduction . Your household’s yearly adjusted gross income—your income before paying taxes—is at or below the limit for your household size. Count anyone who lives in your house, except tenants, as part of your household. To calculate your income, look on your tax return you filed last year. reduce your property taxes as a long-term homeowner? 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: long-term homeowners, older adults, seniors, elderly, property tax credit, income limits, reduce property taxes, pay property taxes This page was last updated May 2021. አማርኛ 中文 Français 한국어 Español Tiếng Việt Schedule L Translations

DC government provides households the chance to buy specific homes at a reduced price. You may be eligible if your household meets income requirements. 1. Learn about this resource. Applicants can enter a lottery to buy select reduced price condos or townhomes if their household meets income requirements. DC Government requires that 8-10% of units in most new or renovated condo buildings or townhome developments are sold at a reduced price. This program is called the Inclusionary Zoning Program (IZ) and is offered by the DC Department of Housing and Community Development (DHCD). The program also offers affordable rental units . 2. Check if you are eligible. You are eligible if all of these statements are true: If you are a full-time college or university student, you must also be a dependent of someone whose household meets the household income requirements. You can afford the purchase price. This means that your household will spend less than 50% of your before-tax income on housing costs, which include the mortgage, monthly fees, and utilities. Your household’s yearly gross income—your income before paying taxes—is below the maximum limit for your household size. Check below. buy a home at a reduced price? 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: lottery, homebuyer, reduced price, income limits, condominium, townhouse, down payment, lower price, affordable housing This page was last updated July 2023. You do not need to be a DC resident or work in DC to apply. However, the program must prioritize households that live or work in DC due to regulations. አማርኛ 中文 Français 한국어 Español Tiếng Việt IZ Buyer Translations

Find home buying resources for DC residents, from how to start your search to how to close on an offer. How do I buy a home? The homeownership journey can look different for every household. Generally, the process follows six steps—prepare, search, offer, go under contract, go to settlement, and securing your home after you purchase. Regardless of whether you’re buying a house, condo, co-op, or apartment, the DC Government has resources to help you along the way. Each step involves different requirements: The Prepare phase: This phase helps you stabilize your finances so you are ready to buy a home. You could be working on managing your personal budget, saving for a down payment, or keeping an eye on your credit score. If you need help getting started, you can check out DC Government resources to help you get ready to buy a home . The Search phase: This is when you'll figure out what you are interested in buying and what you can afford. You might begin to attend open houses, talk with a realtor, find a lender, or scroll through sale listings on your phone. If you need help, there are DC Government resources to help you buy a home . The Offer phase: You think you’ve found the perfect home! Make sure you review the homeowner association (HOA) bylaws (if you are buying a condo or coop) to make sure you know about any monthly fees you will need to pay in addition to your mortgage. Then, if all looks well, you make a formal offer to the current homeowner! Typically a realtor helps you prepare the offer paperwork. And then you wait for their decision… hopefully not very long! The Under Contract phase: They said yes! The current homeowner has accepted your offer. During this period of roughly 30-90 days, you do things like have the home inspected, review condo rules, and move forward with securing your financing to buy the home. The Settlement phase: You've made it! You go to a title company who walks you through the paperwork process with the bank and city to officially make the home yours. You’ve tied the knot and leave with the keys. The After You Purchase phase: The home is yours! But the homeownership journey is only really getting started. You'll have to stay on top of mortgage payments and HOA fees (if applicable), as well as property taxes, save for home maintenance, address repairs as they come up, and complete estate planning. Luckily, the DC Government has resources to help you maintain your home , both physically and financially. The full process is a little more involved than listed above. So, let’s get into the details. Keep in mind that we’re outlining the common steps of the home buying process, but your experience may be different. 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. Homebuying Explainer Translations Keywords: home buying, homebuyers, settle on a home, close on a home, put an offer on a home, find a home, homeownership, getting a home appraised, getting a home inspection, choosing homeowner's insurance This page was last updated January 2023.

Read about Front Door's accessibility and privacy policy. Accessibility and Privacy Thank you for visiting our website. Our goal is to provide accessible information and seamlessly connect you with the District’s many resources for current and prospective homeowners. A note on accessibility Since 1998, federal government agencies have been required to make web content as accessible for people with disabilities, and we're committed to meeting those standards. The steps we've taken include: Providing text for graphic elements. Designing web pages so that all information conveyed with color is accessible. Making web pages and forms accessible to people using assistive technology such as a screen reader, eye tracking device, voice recognition software, etc. If you are having difficulty accessing information on this website, please contact DC.Gov and provide this web address (frontdoor.dc.gov), the material you tried to access, the problem you experienced, and your contact information. We can then coordinate with the proper agency to provide the information you are trying to access. We've translated Front Door into Amharic, Chinese, French, Korean, Spanish, and Vietnamese so all our neighbors can benefit from this information. The bottom of every page and translation shows when the content was last updated, and if the dates on the English version and translations don’t match, that means we’re working as quickly as we can to get the translation up-to-date. If you don't have personal access to a computer, there are several locations throughout the city that provide access to computers where you can explore this website and submit an application for one or more of the resources on the site. You can also text the word “FIND” to 83224 or call (202) CONNECT or (202) 266-6328 . አማርኛ 中文 Français 한국어 Español Tiếng Việt A note on privacy Some pages on this website ask you to tell us about yourself so we can provide you with information tailored to your situation. Below we detail how the information you provide throughout the website is used by DC Government. Resource Finder Quiz When you take the resource finder quiz, the information you share is recorded for DC Government to broadly understand the housing needs and circumstances of our residents. For example, the quiz can tell us what percent of website visitors are interested in buying a home in the coming year, are renters, are seniors, etc. Your responses are anonymous—we do not ask for your name or address. We do however collect your email address in order to send you your customized results. Your email is not used for any other purpose. Eligibility Calculators on Resource Pages Some of the resource pages on the website have eligibility calculators to help you quickly determine if you’re eligible for the resource. These calculators typically ask about your household size and income. Like the quiz, the information you share is recorded for DC Government to broadly understand the housing needs and circumstances of our DC residents. For example, the quiz can tell us things like the average household size and income level of website visitors, etc. Your responses are anonymous—we do not ask for your name, address, or contact information. Application Forms If you choose to apply for a resource by following application links, you’ll be redirected to the website of the DC Government agency that provides the resource. Any information you share on your application form will be processed and stored by that agency and used to determine eligibility. This page was last updated November 2021. Accessibility Translations

DC Government replaces broken home appliance systems with more efficient ones. Your household may be eligible if your income is below the program limits. replace a broken heating or cooling appliance? DO YOU WANT TO 1. Learn about this resource. Residents can apply to replace or repair their broken central air conditioning, heating systems, hot water tanks, and chimney liners with more efficient systems. We—DC Government—work with a local nonprofit to pay for the new system and hire a repair person to install it. This program is called the Emergency Mechanical Systems 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. 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. Keywords: broken appliance, emergency repair, hot water tank, heater, air conditioning, fireplace This page was last updated October 2022. EMR Translations

DC Government provides households the chance to rent specific units at a reduced rate. You may be eligible if your household meets income requirements. 1. Learn about this resource. Applicants can enter a lottery for reduced-price units based on their household’s income. DC Government requires that 8-10% of units in most new or renovated apartment buildings are rented at a reduced price. This program is called the Inclusionary Zoning Program (IZ) and is offered by the DC Department of Housing and Community Development (DHCD). The program also offers affordable prices units for sale . 2. Check if you are eligible. You are eligible if all of these statements are true: If you are a full-time college or university student, you must also be a dependent of someone whose household meets the household income requirements. Your household’s yearly gross income—your income before paying taxes—is between the minimum and maximum limits for your household size . However, there is no minimum income requirement if you receive rental assistance, such as a rent voucher or subsidy. Check below. rent an apartment at a reduced price? 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: reduced rate, income limits, renting, rent, renters, lottery, apartments, subsidized housing, income-based, affordable unit This page was last updated July 2023. You do not need to be a DC resident or work in DC to apply. However, the program must prioritize households that live or work in DC due to regulations. አማርኛ 中文 Français 한국어 Español Tiếng Việt IZ Renter Translations