Andrews Federal FHLB First-Time Homebuyer Grant
Andrews Federal Credit Union through the Federal Home Loan Bank
Up to $20,000
Limited grant assistance for down payment and closing costs for a qualifying first-time buyer.
Forgivable loan
Locations listed in HomeBase: Virginia or Maryland or District of Columbia
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repayNo repayment after the buyer owns the home for at least five years; recapture can apply before then.
Who can apply
About you
- First-time homebuyer.
- Andrews Federal membership.
- Mortgage and grant qualification.
- Five-year ownership condition.
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
Conditions
First-time buyer, Andrews Federal membership, qualifying mortgage and FHLB grant approval while funds remain.
Reader request
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What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with Andrews Federal FHLB First-Time Homebuyer Grant(12 to check)
Worth asking about(12)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
- AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- APG Federal Credit Union 80/20 MortgageAPG Federal Credit Union
Eligible first-time buyers can finance 100% of an eligible primary-home purchase with an 80% first mortgage and 20% piggyback second mortgage, avoiding a cash down payment and PMI.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at APG Federal Credit Union 80/20 Mortgage. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Apple FCU First-Time Home Buyer MortgageApple Federal Credit Union
A low- or no-down-payment first-time-buyer mortgage with up to 100% combined loan-to-value and reduced PMI.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Apple FCU First-Time Home Buyer Mortgage. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Atlantic Union Bank Closing the Gap LoanAtlantic Union Bank
An Atlantic Union second-lien mortgage of up to 3% helps cover down payment and closing costs for an eligible primary-home purchase.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Atlantic Union Bank Closing the Gap Loan. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Clover Capital Community Hero’s Compassion ProgramClover Capital Mortgage and Clover Capital Homes
Eligible military members, teachers, first responders, healthcare workers and union members may receive 0.5% toward closing costs or prepaids, plus another 0.5% when also using the affiliated real-estate service.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Clover Capital Community Hero’s Compassion Program. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at Baltimore City DHCD. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Content changed at CASH Campaign of Maryland. Review for a new or updated program. Confidence: high.. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- CrossCountry Mortgage CCM ZeroDownCrossCountry Mortgage
FHA first mortgage plus a 3.5% or 5% second lien; the 5% option may cover some closing costs.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at CrossCountry Mortgage CCM ZeroDown. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- DC Assessment Cap CreditDC Office of Tax and Revenue
Eligible homesteaded property is not taxed on more than a 10% annual increase in assessed value.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DC Assessment Cap Credit. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- DC Disabled Veterans Homestead DeductionDC Office of Tax and Revenue
For tax year 2026, qualifying veterans receive a $445,000 reduction in taxable assessed value.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DC Disabled Veterans Homestead Deduction. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- DCHA Housing Choice Voucher Homeownership Assistance ProgramDistrict of Columbia Housing Authority
Eligible DCHA voucher participants can use housing assistance toward homeownership expenses after completing DCHA’s preparation and approval process.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DCHA Housing Choice Voucher Homeownership Assistance Program. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- DCHFA DC4ME VA Loan ProductDistrict of Columbia Housing Finance Agency
Eligible military-connected borrowers may receive a fixed-rate VA mortgage with no down payment or monthly mortgage insurance and a 3% deferred assistance loan for eligible closing costs and prepaids.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at DCHFA DC4ME VA Loan Product. Can it be used on the same purchase as Andrews Federal FHLB First-Time Homebuyer Grant (Andrews Federal Credit Union through the Federal Home Loan Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
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