Mortgage Assistance Program for District of Columbia Homeowners

Washington, D.C. homeowners can get a 0% interest loan to cover missed mortgage payments and pay other home-related expenses through a local program.

By , Attorney


Update: Eligible homeowners in the District of Columbia who've experienced a financial hardship because of the pandemic can get a portion of the approximately $50 million allocated to the state from the federal Homeowner Assistance Fund—up to $120,000 per household—by applying to the D.C. Homeowner Assistance Fund program. This program uses federal money to help homeowners pay mortgage payments and other housing costs.


Homeowners in the District of Columbia affected by COVID-19 can apply for financial assistance from the DC Mortgage Assistance Program (DC MAP).

You might qualify for a loan of up to $5,000 monthly for as many as six months.

Financial Assistance Under the DC MAP (Mortgage Assistance Program) COVID-19

Under this program, called "DC MAP (Mortgage Assistance Program) COVID-19," homeowners can use the loan to pay for:

Funds can be applied as far back as April 1, 2020.

Eligibility Criteria for Financial Assistance in Washington, D.C.

To qualify for financial assistance from the DC MAP (Mortgage Assistance Program) COVID-19, you must have been financially impacted by COVID-19, meaning you've had a loss of income. Also, you have to meet the following eligibility requirements.

  • The property must be your primary residence (no second homes or investment properties) and located in the District of Columbia.
  • You must have been current on your mortgage as of the March 1, 2020 payment (before being affected by COVID-19).
  • You have to prove you've lost income due to COVID-19.
  • You must be at risk of mortgage default, potentially leading to foreclosure.
  • You must be the borrower on the home loan, not just a member of the household.
  • You have to prove you're not eligible for a forbearance or other types of relief your loan servicer offers or Hardest Hit Funds.

How DC MAP (Mortgage Assistance Program) COVID-19 Assistance Works

Financial assistance is in the form of a 0% interest, recourse loan secured by a deed of trust. Again, the maximum monthly assistance is $5,000 per month per homeowner for up to six months. You must monthly certify your need for continuing aid, which is subject to available funding.

The loan must be repaid starting on the first day of the seventh month after the final assistance payment was made and will be amortized over 36 months.

What Documentation You'll Need for the Application

To apply, you'll need to provide some documents, like:

  • a government-issued ID (such as a driver's license)
  • your most recent mortgage statement
  • a copy of your deed
  • documentation showing your loss of income due to COVID-19
  • your most recent condo or HOA invoice (if applicable), and
  • a forbearance denial letter.

Here's a full checklist of the items you'll need to provide.

How to Apply for DC MAP (Mortgage Assistance Program) COVID-19 Assistance

You may submit your application and required documents via email, fax, or mail to:

  • DCMAP@housingetc.org
  • 202-667-2135, or
  • Housing Counseling Services, Inc., Attn: DC MAP, 2410 17th Street, NW, Adams Alley, Suite 100, Washington, D.C. 20009.

Go to the DC Housing Finance Agency website or call 202-667-7706 to learn more about the application process. If you need help with your application, contact a HUD-approved housing counselor who will help you at no cost.

Effective date: December 13, 2021