The DC4ME program page describes how DCHFA targets District government employees with a discounted first trust mortgage interest rate and optional down payment assistance. Qualified borrowers receive a 30-year fixed-rate mortgage at a reduced rate and may add a 3% down payment assistance component, structured as a zero percent interest, deferred subordinate loan that does not require monthly payments and is repaid only when the home is sold, refinanced under certain conditions, or no longer occupied as a primary residence. Program requirements mirror DC Open Doors in many respects—household income cannot exceed 170% of Area Median Income (with a maximum of about $275,400), the maximum loan amount is aligned with the conforming limit (around $1.2 million), and borrowers must have a minimum 640 credit score and total debt-to-income ratio no higher than 50%. At least one borrower must complete a homebuyer education course and provide proof to DCHFA, and eligibility is limited to current full-time District government employees whose agencies fall under the oversight of the DC Council. FAQs on the page clarify that DC4ME can be combined with HPAP and EAHP, allowing employees to stack multiple forms of assistance and making DC4ME a core part of any “DC government employee homebuyer” search strategy.