Home Buyer Programs

As we mentioned recently in our FAQs for Home Buyers, we believe the reality of homeownership is something that should be made more widely available and shouldn’t ever be limited to a select few. Throughout Washington, D.C., Maryland, and Virginia there are many different programs designed to make the dream of homeownership into a reality. These programs can be in the form of down payment assistance, a credit for first-time buyers, financial incentives to reinvest in certain areas of the community, discounts on property taxes, or specific programs for our teachers and first responders. Many jurisdictions have programs that are designed specifically for city or state employees so that they can live in the same communities where they work. 

The list below highlights many programs in the DMV and we encourage you to reach out to a McEnearney professional or a qualified mortgage lender to see if one of these programs can help you in your efforts to become a homeowner. (Please note that the availability and qualifications for each of these programs are subject to change.)

WASHINGTON, DC

• DC Opens Doors
• Home Purchase Assistance Program (HPAP)
• Employer-Assisted Housing Program (EAHP) 
• ROD 9 – Lower Income Homeownership Exemption Program
• Inclusionary Zoning (IZ) Affordable Housing Program
• Negotiated Employee Assistance Home Purchase Program (NEAHP)
• HomeReady Mortgage
• Home Possible Mortgage
• Mortgage Credit Certificate Program Q&A

MARYLAND

• The Maryland Mortgage Program
• Maryland SmartBuy Program
• Teacher Next Door Program
• Maryland Mortgage Program 1st Time Advantage
• The Educator Mortgage Program
• Settlement Downpayment Loan Program (SDLP)
• Takoma Park Home Stretch Program
• Gaithersburg Homebuyer Assistance Loan Program (GHALP)
• Prince George’s County Purchase Assistance Program (PGCPAP)
• Pathway to Purchase
• HOME Investment Partnership
• Baltimore City Employee Homeownership Program
• Baybrook Boost
• Buying Into Baltimore
• Mortgage Purchase Program (MPP)
• HOC Homeownership Programs for HOC Residents
• Home Possible Mortgage
• HomeReady Mortgage
• Mortgage Credit Certificate Program

NORTHERN VIRGINIA

• VHDA Loan Program
• Virginia Housing’s Down Payment Assistance Grant 
• Homeownership Down Payment Assistance Program (DPA
• Moderate Income Purchase Assistance Program (MIPAP)
• Low Interest Mortgage Program
• Fairfax County First-Time Homebuyers Program
• HomeReady Mortgage
• Home Possible Mortgage
• Mortgage Credit Certificate Program

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