Metropolitan Police Housing Assistance Program The Metropolitan Police Housing Assistance Program (MPHAP) provides police officers in the District of Columbia with financial assistance and other incentives to become first-time homeowners in Washington, DC. When all steps are carefully followed, and all required documentation is timely submitted, MPHAP settlements can occur in 30 days or less. MPHAP offers several incentives for eligible applicants. They include Matching down payment funds of up to $1,500 ($500 for each $2,500 saved by an employee); Single family home mortgage financing; Deferred payment loans of up to 10,000; An income tax credit of $2,000 in the tax year of the purchase and the 4 succeeding tax years, subject to eligibility; and A property tax credit for five years, based on a sliding scale (see right). Property Tax Credit 1st Year 80% 2nd Year 60% 3rd Year 40% 4th Year 20% 5th Year 20%   Are You Eligible for a Loan? To be eligible for a MPHAP loan, an applicant must: be a full-time police officer for the Metropolitan Police Department in good standing for at least one year immediately preceding the application; be a first-time homebuyer in the District of Columbia; have a personal savings of at least $2,500; have sufficient income to afford a mortgage from a private lender; and possess a good credit rating.   Seven Easy Steps to Homeownership Step 1 Contact the Community-Based Organization (CBO) closest to your home for a pre-application housing counseling session. Step 2 Gather the required documentation requested by your housing counselor and complete your MPHAP application. Step 3 When your application is approved by the Greater Washington Urban League, Inc. (GWUL), you will receive a Notice of Eligibility (NOE), which will indicate your financial assistance amount. This is determined based on your income, down payment costs and financing requirements. Step 4 Find and house and enter into a sales agreement to purchase it.* Forward a copy of the sales agreement to GWUL. Step 5 Complete your mortgage application from your carefully selected financial institution. Be sure to include a copy of your Notice of Eligibility and sales agreement. Step 6 Complete the transfer of ownership from the current homeowner to you, which is known as settlement. Step 7 Move into your new home. *If you have difficulty finding affordable housing, the Greater Washington Urban League may have information on participating DC developers.   If your MPHAP application is denied by GWUL, you should consider asking your housing counselor the following two questions: Can I do anything to correct the factor(s) responsible for my denial? Can you recommend a strategy to help me strengthen my application? Where to Apply for MPHAP Six Community-Based Organizations (CBOs) are contracted by DCHD to accept MPHAP applications and counsel applicants on the program. Applicants are then forwarded to the Greater Washington Urban League for processing. MPHAP should contact on of the following Community-Based Organizations: Housing Counseling Services, Inc. 2430 Ontario Road, NW Washington, DC 20009 (202) 667-7006 Marshall Heights Community Development Organization 3939 Benning Road, NE Washington, DC 20019 (202) 396-1200 University Legal Services 220 I Street, NE, Suite 130 Washington, DC 20002 (202) 547-4747 University Legal Services, Far Southeast 3220 Pennsylvania Avenue, SE, Suite 4 Washington, DC 20032 (202) 645-7175 Latino Economic Development Center 2316 18th Street, NW Washington, DC 20009 (202) 588-5102 Lydia's House 3939 South Capitol Street, SW Washington, DC 20032 (202) 373-1050