Housing Incentives & Programs

Housing Programs and Incentives for the Workforce


In an effort to help employees improve their work-life balance, two primary areas should be considered: housing options listed below and commuting choices. Employers can make information about these programs and incentives available to employees by referring them to the appropriate workforce housing contacts.


Employees in the Washington region have a wide array of incentive programs to enable the purchase of an apartment,
condominium, single or multi-family home close to work and realize the advantages of both equity and convenience.
Depending on locality, this may also reduce or eliminate the expense and upkeep of owning a personal vehicle. Highlighted
below within this online guide are just some of the programs that provide local, regional and national incentives which make living near the office more practical and affordable.

Housing programs and incentives listed in this online guide may be discontinued or changed without notice.
 Contact the state, county or city housing administrators for assistance and information on the availability of these or other programs.

National and Regional Programs

American Dream Downpayment Initiative (ADDI)

ADDI will provide down payment, closing costs and rehabilitation assistance to eligible individuals. The amount of ADDI assistance provided may not exceed $10,000 or six percent of the purchase price of the home, whichever is greater. ADDI is administered locally. Available in the District of Columbia, Maryland, and Virginia.

Home Purchase Assistance Program
Home Purchase Assistance Program                                                                                                               The Home Purchase Assistance program provides interest-free and low-interest loans to qualified residents, which enables them to purchase single-family houses, condominiums, or cooperative apartments.Residents who are accepted are eligible for loans to meet down payment and closing cost requirements. Available in the District of Columbia, Maryland and Virginia

State Programs


Downpayment Settlement Expense Loan Program (DSELP)

Maryland offers several programs to assist resident first-time home buyers in purchasing a home by funding up to $5,000 toward closing cost, with no interest.

Moderately Priced Dwelling Unit Program (MPDU)                                                                                                             Moderately Priced Dwelling Unit Program (MPDU)                                                                                

Housing units for which the sales price is targeted to households earning moderate incomes. Priority is given to persons who live and work in the same county. Available in Frederick and Montgomery Counties. See county websites for further information regarding eligibility and application process.



Homestride/Virginia Housing Development Agency

The Home Stride program provides a second mortgage for down payment and closing costs with affordable terms and deferred payments.

Affordable Dwelling Unit Program

This program is designed to provide affordable rental and homeownership opportunities. Services are available to all citizens with priority given to income eligible residents who live and work in the same counties. Available in Arlington, Fairfax and Loudoun Counties, and the City of Falls Church.

Local Programs


District of Columbia First-Time Homebuyer Credit

First-time homebuyers in the District of Columbia can receive a $5,000 federal tax credit. This tax credit is available to individuals who purchase a home in D.C. as their primary residence. Those who have owned a primary residence before in another jurisdiction or in the District are still eligible as long as they have not owned a home in the District of Columbia during the year preceding the new purchase. For more information and to get Form 8859 “DC Homebuyer” visit the IRS website at www.irs.gov or call 800-TAX-FORM.

Live Near Your Work

Premium-priced first mortgage program that provides borrowers who are purchasing a home within 25 miles of their place of employment with a 3 percent closing cost assistance grant.

D.C. Employer Assisted Housing Program (EAHP)

D.C. Employer Assisted Housing Program (EAHP)                                                                                              The D.C. Employer Assisted Housing Program provides grants and deferred loans of up to $11,500 to employees of the District of Columbia governments who are first-time home buyers in Washington, D.C.


Calvert County                                                                                                                                            
House Keys for Employees Programs                                                                                                               House Keys for Employees Programs                                                                                                         Coordinated through the Calvert County, Maryland Department of Economic Development
Prince George’s County

Prince George’s County
Prince George’s Homeownership Initiative                                                                                            
Low-interest rate first mortgage, with down payment and closing cost assistance, subject to income limits and qualification as first-time home buyers.



Alexandria, City of                                                                                                                                        Employee Homeownership Incentive Program (EHIP)                                                                                Deferred payment, 0% interest loans up to $5,000 for public employees who purchase homes in the        City of Alexandria.

Arlington County                                                                                                                                          Moderate Income Purchase Assistance Program (MIPAP)                                                                         Moderate Income Purchase Assistance Program (MIPAP)                                                                           Down Payment and closing cost assistance to qualified registrants.

Fairfax County                                                                                                                                             Magnet Housing Program                                                                                                                          Magnet Housing Program                                                                                                                                Fairfax County is building and buying several dozen townhouses and condominiums to rent to nurses, police officers, firefighters, teachers and bus drivers.    

Loudoun County                                                                                                                                                     Home Buyer’s Opportunity Program (HOP)                                                                                                       Home Buyer’s Opportunity Program (HOP)                                                                                                    First time home buyers who want to purchase a new home or a re-sale/existing home can borrow up to $5,000 at three percent interest, to be used toward down payment and closing costs.