Home Loans in the District
Washington, DC is a market of condos, row houses, and multi-unit buildings, and the right financing often depends on the property type as much as the borrower. CDF Lending works across the District, from Capitol Hill and Navy Yard to Petworth, Brookland, and Anacostia.
Washington DC Loan Programs
FHA Loans — low down payment financing, including approved DC condos
VA Loans — zero down for the District’s veteran and active duty community
Conventional & Jumbo Loans — for DC’s higher price points
First-Time Home Buyer Loans — paired with DC assistance where eligible
Refinance & Cash-Out — lower a payment or access equity
Multifamily & Commercial Financing — 2-4 unit and larger DC buildings
Condo, Row House, or Multi-Unit
DC financing frequently turns on details — whether a condo project is warrantable, how a 2-4 unit building is treated, how a jumbo lender views the neighborhood. As a broker we can place the file with a lender whose guidelines match the property rather than forcing the property to match one lender.
Financing Across the District
Washington DC home loans cover a wide range here — condos, row houses, and 2-4 unit buildings each underwrite differently. A first-time home buyer DC program can be combined with FHA or conventional financing where eligible, and we check District assistance availability during pre-approval.
Existing owners often start with a rate and term refinance Washington DC lenders price competitively, before deciding whether cash-out makes more sense.
On the commercial side, we act as a commercial mortgage broker Washington DC investors use for larger assets, including multifamily financing Washington DC buildings require.
Frequently Asked Questions
Can I buy a condo in DC with an FHA loan?
Yes, if the condo project is FHA-approved. Not every DC building is, so we check project approval early — before you are under contract — and identify alternative financing if the building does not qualify.
Are there first-time home buyer programs in Washington, DC?
The District has offered down payment and closing cost assistance for qualified first-time buyers, with income and purchase price limits. We review current program availability and eligibility during your pre-approval.
What is a jumbo loan in Washington, DC?
A jumbo loan is any mortgage above the conforming limit for the area. Because DC price points are high, jumbo financing is common here. Guidelines on reserves and down payment vary significantly by lender, which is where comparing lenders matters.
Do you finance multifamily properties in DC?
Yes. We handle 2-4 unit residential financing as well as larger multifamily and mixed-use commercial loans throughout the District.