07/01/2026
🏡 First-Time Buyers in the DMV — This One's For You
One of the biggest myths I hear? "I can't afford to buy yet — I don't have 20% saved."
Here's the truth: you may not need anywhere close to that. The DC, Maryland, and Virginia area offers some of the most generous down payment assistance programs in the country, and most buyers have no idea they qualify.
A few highlights 👇
🏛️ Washington, DC
• HPAP — up to $202,000 in down payment & closing cost assistance
• DC Open Doors — 3–3.5% of the purchase price
• Community Partners — up to $20,000 for educators, healthcare workers & first responders
🦀 Maryland
• Up to $25,000 in Prince George's County (Pathway to Purchase)
• Up to $25,000 for Montgomery County buyers
• Below-market rates through the 1st Time Advantage program
🐎 Virginia
• Up to 10% of the sales price through the HOMEownership DPA program
• 3–5% down payment help via the Plus Second Mortgage
• Up to 2% in closing cost grants
✨ Bonus: Teachers, police officers, firefighters, and EMTs can get 50% OFF eligible homes through Good Neighbor Next Door.
And the timing matters — mortgage rates have dipped near 6% (the lowest since 2022) and inventory is rising, giving prepared buyers real negotiating power this spring.
Programs have income limits, credit requirements, and limited funding — so the key is finding out what YOU qualify for before you start shopping.
That's exactly what I help with. If you've been wondering whether homeownership is within reach, let's have a no-pressure conversation and build a plan that fits your goals.
📩 Send me a message or comment "HOME" below and I'll reach out.