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DC4ME
DC4ME provides D.C. government employees mortgage assistance in the form of a zero percent deferred subordinate loan. Qualified District government employees can receive a reduced interest rate first trust mortgage, with the option of three percent down payment assistance.
DC4ME is offered to current full-time District Government employees, including employees of District Government-based Instrumentalities, Independent Agencies, District of Columbia Public Charter Schools, and organizations, provided the applicant/borrower’s employer falls under the oversight of the Council of the District of Columbia.
Program Documents
Below are various documents you may need for the DC4ME.
.Additional Resources
DCHFA Loan & MCC Reservations: Lender on Line
File Submissions
All files must be submitted electronically using your company’s unique ID to login. Please contact your administrator if you do not have this information.
.DC OPEN DOORS INTEREST RATES
DCOD Conventional no DPA ≤80% AMI – 7.000%
DCOD Conventional no DPA >80% AMI – 7.250%
DCOD Conventional with 3% DPA ≤80% AMI – 7.500%
DCOD Conventional with 3% DPA >80% AMI – 7.750%
DCOD FHA with 3.5% DPA – N/A*
DCOD FHA No DPA – 7.000%
Last Updated: 1/23/2025
*Jumbo/High Cost loan rates available upon request
DC4ME INTEREST RATES
DC4ME Conventional no DPA ≤80% AMI – 7.000%
DC4ME Conventional no DPA >80% AMI – 7.250%
DC4ME Conventional with 3% DPA ≤80% AMI – 7.500%
DC4ME Conventional with 3% DPA >80% AMI – 7.750%
Last Updated: 1/23/2025
*Jumbo/High Cost loan rates available upon request
Jumbo/High Cost Loan Rates Available Upon Request | Email hfaloans@dchfa.org
*Due to continued market volatility, pricing for some DPA options has been unavailable in the market. As a result, DCHFA may not be able to offer a rate for that day. Our ability to continue to offer these DPA options will depend on daily pricing and market conditions, so we encourage you to check our website and lender portal daily. We appreciate your continued participation in our programs and ask for your patience as we continue to monitor market conditions. We understand that the unavailability of these options may have caused difficulty for some borrowers who were counting on the additional DPA. We will make adjustments as needed to continue to provide the best down payment assistance programs for borrowers.