Ịzụta ụlọ ma zụta ụlọ · Ihe 2 nke 3
Down Payment Help and Loan Types in DC, Maryland, and Virginia
Compare common loan types, find down payment and closing cost help in DC, Maryland, and Virginia, understand mortgage insurance, and work out your cash to close.
Mezue na ngwaọrụ a.
A sụgharịbeghị akụkụ nke nkuzi a n'asụsụ gị, n'ihi ya, a na-egosipụta ha n'asụsụ Bekee.
Na nkuzi a
Ihe ị ga-amụta
- Compare conventional, FHA, VA, and USDA loans and their minimum down payments.
- Find down payment and closing cost help in DC, Maryland, and Virginia, and check each program's rules.
- Explain mortgage insurance and when private mortgage insurance can be removed.
- Calculate the cash you need at closing, with and without assistance.
Kedu ka nke a si jikọọ na klaasị anyị: Our class covers the kinds of mortgages and how they work. This lesson adds the local programs that can help DC-area buyers with the down payment, the rules to check, and a worked cash-to-close example.
Okwu ndị ị ga-amata
- Mgbazinye ego ọdịnala (Conventional loan)
- A na-akwụ ụgwọ nke ụlọ ọrụ gọọmentị na-enweghị mkpuchi ma ọ bụ na-ekwe nkwa site n'aka ụlọ ọrụ gọọmentị. A na-ere ọtụtụ n'ime ha na Fannie Mae ma ọ bụ Freddie Mac.
- Mgbazinye ego FHA (FHA loan)
- A nnyefe mkpuchi site na Federal Housing Administration, nke bụ akụkụ nke HUD. Ọ na-enye ohere a ala ala ịkwụ ụgwọ ma na-akwụ ụgwọ nnyefe mkpuchi.
- Private Mortgage Insurance (PMI)
- Mkpuchi na-echebe onye na-agbazinye ego, ọ bụghị gị, ma ọ bụrụ na ị kwụsịrị ịkwụ ụgwọ mgbazinye ego. A na-achọkarị ya mgbe ị na-etinye ihe na-erughị 20%.
- Enyemaka ịkwụ ụgwọ (Down payment assistance)
- Ego sitere na mmemme nke na-enyere gị aka ịkwụ ụgwọ ma ọ bụ mmechi gị. O nwere ike ịbụ onyinye ị na-akwụghị ụgwọ, ma ọ bụ mgbazinye ego.
- Mgbazinye ego na-akwụ ụgwọ (Deferred loan)
- Mgbazinye ego na-enweghị ụgwọ kwa ọnwa maka oge ụfọdụ. Ị na-akwụghachi ya mgbe e mesịrị, na-abụkarị mgbe ị na-ere, refinance, ma ọ bụ kwụsị ibi n'ụlọ.
- Ego iji mechie (Cash to close)
- Mkpokọta ego ị ga-eweta na mmechi: ụgwọ gị na mmechi mmechi, na-ewepu kredit ma ọ bụ enyemaka ọ bụla.
- Home Tags Onyeka Onwenu (First-time homebuyer)
- Maka ọtụtụ mmemme, onye na-enwebeghị ụlọ n'ime afọ atọ gara aga. Mmemme ọ bụla na-esetịpụ iwu nke ya.
Loan types at a glance
Most buyers use one of four kinds of mortgage. The biggest differences are how much you must put down, who can qualify, and what kind of mortgage insurance you pay.
| Loan type | Down payment | Good to know |
|---|---|---|
| Conventional | As low as 3% for some loans | With less than 20% down, you usually pay PMI. You can remove PMI later. |
| FHA | As low as 3.5% | Has mortgage insurance, often for the life of the loan. Since May 25, 2025, non-permanent residents, such as people on work visas, cannot get FHA loans. |
| VA | No down payment for eligible buyers, if the price is not higher than the appraised value (a professional estimate of what the home is worth, ordered by the lender) | For eligible service members, veterans, and some surviving spouses. No monthly mortgage insurance, but you may pay a one-time funding fee. |
| USDA | No down payment for eligible buyers | For low- and moderate-income buyers in eligible rural areas. Homes in cities such as DC do not qualify. You can check an address on the USDA eligibility website. |
If you are not a U.S. citizen or green card holder, ask each lender which loans you can get. Rules for conventional loans are different from FHA rules, and some local lenders offer their own loans for ITIN borrowers. A housing counselor can help you find them. Since June 2026, federal regulators have asked banks to look more closely at customers who use an ITIN. Some may ask for more documents or say no, so ask before you apply.
Help in DC: HPAP and DC Open Doors
Home Purchase Assistance Program (HPAP)
The DC Department of Housing and Community Development (DHCD) runs HPAP, and the DC Housing Finance Agency (DCHFA) helps manage it. HPAP gives interest-free loans to help low- and moderate-income first-time buyers buy a home in DC.
- Who: first-time buyers. For HPAP, that means you have not owned any home or other residential property in the last three years. DC residents come first. Some people who have worked in DC for at least a year can also apply.
- Where: the home must be in DC, and it must be your main home.
- How much: it depends on your income and household size. DHCD updates its table every year.
- Repayment: lower-income buyers make no monthly payments. Moderate-income buyers start making payments in the sixth year. The whole loan is due if you sell, refinance (with some exceptions), or stop living in the home. To refinance means to take out a new mortgage to pay off your old one, often to get a lower rate.
- How to apply: through a community organization, such as Housing Counseling Services, the Latino Economic Development Center (LEDC), or MANNA.
HPAP money is limited. For fiscal year 2026, DHCD said it would help applicants first-come, first-served. Funding and rules can change each fiscal year. DC's fiscal year starts on October 1, so ask a counselor early about timing.
DC Open Doors
DC Open Doors, from DCHFA, offers home loans with down payment help for homes in DC. As of September 2026, its website said:
- First-time and repeat buyers can use it, and you do not need to live in DC now.
- There is an income limit, and the minimum credit score is 640.
- A down payment assistance loan can cover your full minimum down payment.
- That loan has 0% interest and no monthly payments. It is due after 30 years, or sooner if you sell, refinance, or stop living in the home.
Anyị na-enye ọrụ dị ọnụ ala maka imeghe akaụntụ akụ na Maryland na Virginia.
Maryland Mortgage Program (MMP)
- 1st Time Advantage mgbazinye ego bụ maka ndị na-azụ ahịa oge mbụ. Nke a gụnyere ndị na-enwebeghị nnukwu ụlọ n'ime afọ atọ gara aga. Ụfọdụ ndị na-azụ ahịa na ụfọdụ ndị na-azụ ahịa na mpaghara ụfọdụ ezubere iche nwekwara ike iru eru.
- Flex mgbazinye ego bụ maka ndị na-azụ ahịa oge mbụ ma ọ bụ ugboro ugboro.
- Imirikiti mgbazinye ego MMP na-abịa na enyemaka ịkwụ ụgwọ dị ka mgbazinye ego 0%. Na 2026, nhọrọ gụnyere $ 6,000, ma ọ bụ ego hà 3%, 4%, ma ọ bụ 5% nke mgbazinye ego mbụ. Ị na-akwụghachi ya mgbe mgbazinye ego mbụ kwụsịrị, dịka ọmụmaatụ mgbe ị na-ere ma ọ bụ refinance.
- Ọ bụrụ na onye mmekọ akwadoro, dị ka ụfọdụ ndị were gị n'ọrụ, nyere gị aka, MMP nwere ike dakọtara ya na $ 2,500 ọzọ na ụfọdụ mgbazinye ego.
- Onye ọ bụla na-agbazinye ego ga-ewere klaasị agụmakwụkwọ homebuyer akwadoro.
- Anyị na-enye ọrụ dị ọnụ ala maka imeghe akaụntụ ụlọ akụ maka ndị mba ọzọ na Montgomery County na Prince George.
- Ị na-etinye akwụkwọ site na onye na-agbazinye ego MMP.
Ebe obibi Virginia
- Virginia Housing na-agbazinye ego ụlọ site na ndị na-agbazinye ego akwadoro, yana ego na oke ọnụahịa.
- Ya Down Payment Assistance Grant bụ ezigbo onyinye, yabụ na ị gaghị akwụghachi ya. Ọ bụ maka ndị na-azụ oge mbụ, yana maka ndị na-azụ ahịa ugboro ugboro na mpaghara ụfọdụ, ndị na-eji mgbazinye ego Virginia Housing ruru eru.
- Onyinye enyemaka mmechi nwere ike inyere ndị na-azụ ahịa aka inweta mgbazinye ego VA ma ọ bụ USDA site na Virginia Housing. A naghị akwụghachi ya ụgwọ.
- Ọtụtụ mgbazinye ego Virginia Housing chọrọ klaasị ụlọ ya n'efu. Ị nwere ike iwere ya n'onwe gị ma ọ bụ n'ịntanetị. Usoro ntanetị na-ewe ihe dị ka awa asatọ.
Ụfọdụ ógbè na obodo dị na mpaghara ahụ na-ejikwa mmemme nke ha. Onye na-ahụ maka ụlọ nwere ike ịgwa gị nke dabara gị.
Ntuziaka ị ga-enyocha tupu ị na-adabere na enyemaka
Usoro ọ bụla nwere iwu nke ya. Jụọ ajụjụ ndị a tupu ị nye onyinye maka ụlọ:
- Kedu ihe bụ oke ego maka nha ezinụlọ m?
- Enwere oke na ọnụahịa ụlọ?
- Kedu ka usoro ihe omume ahụ si akọwa onye zụrụ oge mbụ?
- Kedu ka m ga-esi biri n'ụlọ dị ka ebe obibi m? Ogologo oge ole?
- A chọrọ klaasị homebuyer? Kedu klaasị dị mkpa?
- Kedu akara akwụmụgwọ kacha nta na DTI kacha m chọrọ?
- Ego ole ka m ga-etinye?
- Ọ bụ ego ma ọ bụ mgbazinye ego? Ọ bụrụ na ọ bụ mgbazinye ego, olee mgbe m ga-akwụghachi ya: mgbe m na-ere, refinance, na-apụ, ma ọ bụ mgbe ọtụtụ afọ gachara?
- Enwere m ike ijikọta ya na mmemme ndị ọzọ?
- Ọ na-anabata ndị na-azụ ahịa na ọnọdụ mbata na ọpụpụ m ma ọ bụ ITIN?
- Ego dị ugbu a, ogologo oge ole ka nkwenye na-ewe?
- Kedu ndị na-ere ahịa na-akwụ ụgwọ iji usoro ihe omume a?
Nweta azịza ya na ederede. Iwu mmemme na ego dollar na-agbanwe, na-abụkarị na mmalite nke afọ ego ọhụrụ.
Mortgage insurance: PMI na FHA premiums
Mgbe ị na-etinye obere ego, onye na-agbazinye ego na-etinyekwu ihe ize ndụ. Mkpuchi mgbazinye ego na-echebe onye na-agbazinye ego ma ọ bụrụ na ị kwụsị ịkwụ ụgwọ. Ọ naghị echebe gị, mana ọ bụ ihe na-eme ka ịkwụ ụgwọ dị ala ga-ekwe omume.
PMI na mgbazinye ego ọdịnala
Na ihe na-erughị 20% ala na mgbazinye ego nkịtị, ị na-akwụ ụgwọ mkpuchi mgbazinye onwe gị (PMI) dị ka akụkụ nke ịkwụ ụgwọ gị kwa ọnwa. Iwu gọọmentị etiti na-enye gị ụzọ abụọ dị mkpa iji kwụsị ya:
- Ị nwere ike ịjụ onye na-ahụ maka ọrụ gị na ederede ka ọ kagbuo PMI mgbe a na-ahazi ego mgbazinye ego gị iru 80% nke uru mbụ nke ụlọ ahụ. Chọrọ ezigbo akụkọ ịkwụ ụgwọ ma ga-ezute ọnọdụ ndị ọzọ, dị ka igosi na ụlọ ahụ efunahụghị uru.
- Onye ọrụ gị ga-akwụsị PMI na-akpaghị aka mgbe nguzozi gị ruru 78% nke uru mbụ, ma ọ bụrụ na ị nọ ugbu a na ịkwụ ụgwọ gị.
FHA nnyefe mkpuchi mkpuchi
FHA mgbazinye ego na-akwụ ụgwọ abụọ. Ka ọ na-erule Septemba 2026, ego n'ihu bụ 1.75% nke ego mgbazinye ego, enwere ike ịgbakwunye ya na mbinye ego ahụ. E nwekwara ụgwọ kwa afọ, nke a na-akwụ ụgwọ dị ka akụkụ nke ụgwọ gị kwa ọnwa. Maka ọtụtụ ndị na-azụ ahịa na-etinye 3.5%, ego kwa afọ bụ 0.55% nke mbinye ego ahụ, ọ na-adịgide adịgide maka ndụ nke mbinye ego ahụ. Ọ bụrụ na ị na-etinye 10% ma ọ bụ karịa, ọ ga-akwụsị mgbe afọ 11 gasịrị. Ụfọdụ ndị nwe ụlọ mechara weghachite ego n'ime mgbazinye ego nkịtị iji kwụsị ịkwụ ụgwọ ya.
$ 350,000 ụlọ - $ 12,250 ala = $ 337,750 mbinye ego; $ 337,750 × 0.55% ÷ 12 = ihe dị ka $ 155 kwa ọnwa na mbido
Ihe Nlereanya
Ihe Nlereanya Na-arụ ọrụ: Ego iji mechie ụlọ $ 350,000
Mekdes na-arụ ọrụ n'ụlọ ọgwụ dị na DC. Ọ na-azụta ụlọ ahịa $ 350,000 na DC na mgbazinye ego FHA na 3.5% ala. Atụmatụ mgbazinye ego ya na-egosi $ 10,500 na ụgwọ mmechi, gụnyere ụtụ isi na mkpuchi. (Ọnụ ego mmechi dịgasị iche iche. Ọnụ ọgụgụ a bụ naanị ihe atụ.)
$ 350,000 × 3.5% = $ 12,250 ịkwụ ụgwọ
| Ihe | Enweghị enyemaka | A na-akwụ ụgwọ |
|---|---|---|
| Ịkwụ ụgwọ (3.5%) | $ 12,250 | $ 12,250 |
| Mmechi na-akwụ ụgwọ na ihe ndị a na-akwụ ụgwọ | $ 10,500 | $ 10,500 |
| Down ịkwụ ụgwọ enyemaka mgbazinye ego | $ 0 | - $ 12,250 |
| Ego Mekdes ga-eweta | $ 22,750 | $ 10,500 |
Mgbazinye ego enyemaka na-ebelata ego ya iji mechie ihe karịrị ọkara. Ma ọ bụghị ego n'efu. Site na mmemme dị ka DC Open Doors, ọ ga-akwụghachi $ 12,250 mgbe ọ na-ere, refinances, ma ọ bụ na-apụ, ma ọ bụ mgbe afọ 30 gasịrị. Ọ bụrụ na onye na-ere ahịa kwenyere ịkwụ ụgwọ akụkụ nke mmechi ya, ọ ga-achọ obere ego. O kwesịkwara ịhazi ịchekwa ego mberede mgbe emechichara ya, kama imefu dollar ọ bụla o nwere.
Lee anya
Akwụla ụgwọ maka ndepụta nke ego n'efu.
Ụfọdụ weebụsaịtị na ndị na-akpọ oku na-ekwe nkwa ego gọọmentị n'efu maka ịkwụ ụgwọ gị ma ọ bụrụ na ị kwụọ ụgwọ mbụ. Ndị ọzọ na-arịọ maka nọmba Social Security gị ma ọ bụ nbanye ụlọ akụ iji lelee ma ị ruru eru. A na-edepụta ezigbo mmemme dị na nkuzi a n'efu na weebụsaịtị gọọmentị, na ndị ndụmọdụ HUD kwadoro nwere ike inyere gị aka itinye akwụkwọ maka obere ma ọ bụ na-akwụghị ụgwọ. Akwụla ụgwọ maka ndepụta nke onyinye, ma enyela onye ọ bụla nbanye ụlọ akụ gị.
Ndụmọdụ
Jụọ ndị na-ede blọgụ ajụjụ ziri ezi
Tupu ịhọrọ onye na-agbazinye ego, jụọ, sị: "A kwadoro gị ịgbazinye ego na [aha mmemme]? Ole n'ime mgbazinye ego ndị a ka ị mechiri n'afọ a?" Onye na-agbazinye ego na-ejikarị mmemme ahụ eme ihe nwere ike inyere gị aka izere igbu oge.
Key takeaways
- Some loans need as little as 3% or 3.5% down, and VA and USDA loans can need nothing down for eligible buyers.
- DC, Maryland, and Virginia all have programs that help with the down payment or closing costs. Many are loans you repay when you sell, refinance, or move.
- Before you choose a home, check each program's income limit, first-time buyer rule, class requirement, and repayment rules.
- With a conventional loan, you can ask to cancel PMI when your balance is scheduled to reach 80% of the home's original value.
- Cash to close is your down payment plus closing costs, minus any help. Keep emergency savings after closing too.
Lelee nghọta gị
Zaa ajụjụ ndị ahụ, wee họrọ Lelee azịza m. Nweta 5 nke ikike 6 iji mezue nkuzi a. Nke a bụ omume: enweghị oge ọ bụla, anyị anaghị edebe azịza gị.
Gaa n'ihu
Ebe nrụọrụ weebụ ndị a tụkwasịrị obi ebe ị nwere ike ịmụtakwu ihe. Njikọ ndị a na-aga na weebụsaịtị ndị ọzọ nke Dollar Scholars anaghị agba ọsọ.
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Mmemme Enyemaka Ịzụta Ụlọ (HPAP) [mèzi _ mèzi] Site
Mgbazinye ego na-enweghị ọmụrụ nwa nke DC maka ndị na-azụ ahịa oge mbụ dị ala na nke dị ala, yana ego ugbu a na tebụl enyemaka.
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DC Open Doors [mèzi _ mèzi] Site
Mgbazinye ego ụlọ na ịkwụ ụgwọ ala na-enyere aka maka oge mbụ na ndị na-azụ ahịa ugboro ugboro ịzụta na DC.
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Maryland Mortgage Program [mèzi _ mèzi] Site
Maryland si n'ụlọ mgbazinye ego na ala ịkwụ ụgwọ na mmechi na-eri enyemaka, gbakwunyere ego na price ịgba ngwaọrụ.
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Nkwusa: Ngwongwo [mèzi _ mèzi] Site
Mgbazinye ego ụlọ mbụ nke Virginia, ịkwụ ụgwọ na mmechi na-akwụ ụgwọ, na klaasị ndị na-azụ ụlọ n'efu.
Ihe mmụta a bụ agụmakwụkwọ ego izugbe, ọ bụghị iwu, ụtụ isi, ma ọ bụ ndụmọdụ ego. Iwu na ego na-agbanwe, yabụ lelee nọmba dị mkpa na isi mmalite gọọmentị.