DCHFA DC4ME VA Loan Product
District of Columbia Housing Finance Agency
100% VA financing plus optional 3% assistance
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.
Deferred 0% loan
Locations listed in HomeBase: 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 repayThe VA mortgage is fully repayable. The 3% assistance is a 0% non-amortizing subordinate lien due at first-mortgage refinance, loss of primary occupancy, any deed transfer, or its 30-year maturity.
Who can apply
About you
- VA Certificate of Eligibility.
- Eligible military-connected borrower or surviving spouse.
- Minimum 640 credit score.
- VA residual-income and DCHFA underwriting.
The home
- DC primary residence.
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
VA Certificate of Eligibility; eligible veteran, active-duty member, certain reservist/National Guard member or surviving spouse; DC 1-4 unit primary residence or condo; 640 minimum score; generally 45% maximum DTI; DCHFA lender and VA underwriting.
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 DCHFA DC4ME VA Loan Product(12 to check)
Worth asking about(12)
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Here’s the question to ask
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Hello — I'm a homebuyer looking at Affordable Loan Solution®. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Hello — I'm a homebuyer looking at Alliant Advantage Mortgage. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Here’s the question to ask
Hello — I'm a homebuyer looking at Andrews Federal FHLB First-Time Homebuyer Grant. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Here’s the question to ask
Hello — I'm a homebuyer looking at Atlantic Union Bank STAR Portfolio Loan Program. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Here’s the question to ask
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Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
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Here’s the question to ask
Hello — I'm a homebuyer looking at Chase Homebuyer Grant. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Here’s the question to ask
Hello — I'm a homebuyer looking at Chenoa Fund Down Payment Assistance. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Here’s the question to ask
Hello — I'm a homebuyer looking at Chenoa Fund DPA Edge Soft Second product for FHA loans. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
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Hello — I'm a homebuyer looking at Connexus Credit Union Purchase Mortgages. Can it be used on the same purchase as DCHFA DC4ME VA Loan Product (District of Columbia Housing Finance Agency)? 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.
Check everything you’re bringing to closing — gifts, seller credits, employer help →