DC, Maryland, and Northern Virginia offer some of the most generous first-time buyer assistance programs in the country. You just need the right guide to unlock them.
Every program below is available right now to qualifying first-time buyers across the DC metro area. Many buyers stack multiple programs together to minimize or eliminate out-of-pocket costs at closing.
DC's flagship Home Purchase Assistance Program. An interest-free deferred loan for down payment and closing costs with no monthly payments until you sell or refinance.
Deferred LoanA 0% interest deferred second mortgage from DCHFA paired with a 30-year fixed rate mortgage. Available at higher income limits than HPAP.
Deferred LoanMaryland's unique program that pairs your home purchase with up to $30,000 in student loan payoff at closing. Available nowhere else in the country.
Grant + Loan PayoffThe Prince George's County Purchase Assistance Program offers a deferred loan forgiven after 10 years. One of the most active first-time buyer markets in the DMV.
Forgiven After 10 YrsA true grant from Virginia Housing with no repayment ever required. Paired with a Virginia Housing mortgage, this can eliminate most of your down payment burden entirely.
True GrantFairfax County's First-Time Homebuyers Program offers a deferred loan with no monthly payments, forgiven after 30 years, making it effectively a long-term grant.
Forgiven After 30 YrsA clear, structured process built around your timeline, your budget, and your goals.
"Mr. Williams was very informative on the do's and don'ts when it came to buying a house and offered great advice on different areas that fit my price point. He ensured things did not become too overwhelming."
"Donnell made me a first-time homebuyer at the age of 27. He was very patient and never rushed me into purchasing a home, which was very key to me. I will definitely be using his services again."
"He went above and beyond to show me how to vet my loan company, title company, and contractors. He knows what to look out for and is great at connecting first-time buyers with the right resources."
30 posts covering every aspect of buying in the DMV this month.
Step-by-step guide from pre-approval to closing day in the DC metro.
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Most first-time buyers in the DMV qualify for more assistance than they realize. In 30 minutes, we will review your complete financial picture and identify every program available to you across DC, Maryland, and Northern Virginia. No pressure. No obligation. Just clarity.
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12815 Old Fort Rd, Suite 105
Fort Washington, MD 20744
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