Housing Counseling2021-06-09T18:33:25+00:00

Are you struggling to make your monthly rent or mortgage payment? Trying to avoid foreclosure? Looking  to fix up your current home or put a down payment on a new one?


Behind in your rent due to Covid-19?

Get up to $4,250 to pay 3 months of rent if you fell behind due to the shutdown. Here’s how to qualify:

  • You must be a resident of the District of Columbia
  • Your delinquency must be related to illness or shutdown (you lost a job or business, worked reduced hours, or fell sick)
  • You must have proof of your rental delinquency from the landlord
  • You must earn no more than 80% of the median family income ($67,950 for a single-person household, up to $135,800 for a family of 8). See table below:

If you qualify, call (202) 562-3800 to get an appointment set up within 48 hours or email housingservices@upo.orgDon’t wait! Get the help you need now!

Para calificar para CHAP, los solicitantes deben ser residentes de DC.

Deben tener una dificultad relacionada con COVID que ocurrió después del 13 de marzo de 2020.

La cantidad máxima de asistencia de CHAP es $ 4,250 y 3 meses atrasado en la renta.

Los solicitantes deben traer los siguiente documentos con su solicitud:


  • Certificado de nacimiento o passaporte de todos los miembros del hogar
  • Tarjeta de seguro social para de todos los miembros del hogar
  • Prueba de ingreso (Documentación de 60 días completos de ingresos)
  • Extracto de cuenta
  • Factura de servicios públicos (bill de la luz, gas, cable, internet, o teléfono)


  • Rental Ledger (Libro mayor de alquiler actual que muestra el monto actual que adeuda)
  • W9 del propietario (no requerido)
  • Documentación de que la dificultad está relacionada con COVID y posterior al 13 de marzo (gastos médicos, pérdida de trabajo, licencia, horario reducido, beneficios por desempleo)

Our housing counseling services provide the support, advice, and assistance you need to avoid homelessness, become a responsible tenant or owner, and live in comfort, safety, and security.


Wall-to-wall housing services

Do you feel confused or overwhelmed by the prospect of buying a house in DC? This is a great time to buy when interest rates are low!  Our staff of trained professionals will make you mortgage ready with three steps.

  • Education. Attend our homebuyer workshop to learn about the home-buying process, step by step. Our counselors discuss budgeting to buy a house, finding a lender, self-repairing credit, working with a realtor, understanding settlement and maintaining your house.
  • One-on-one counseling. We walk through your personal challenges and create an action plan that will help you budget, improve your credit and prepare you for homeownership.
  • Housing Assistance. DC offers up to $80,000 through its housing assistance program (HPAP) for income-qualified residents. Qualified DC government employees can receive an interest free loan that is repaid with the house is re-sold, re-financed or no longer the owner’s principle residence through the Employer Assisted Housing Program (EAHP). There is no income qualification for EAHP, and residents can use it to purchase a house up $726,525. UPO’s counselors will help you apply for these programs.

To reserve a spot for our next homebuyer workshop or to make an appointment, please call : (202) 231-7922 or email housingservices@upo.org.

Budget and Credit Counseling

Our home buying and counseling services also include education designed to show you how to spend credit wisely, manage money on a day-to-day basis, and develop plans for reducing debt and saving for the future.

Individuals who are not affiliated with a bank or have limited access to banking services can access our financial literacy programs and products through UPO’s partnership with Bank on DC.

For more information about our financial literacy services, please call : (202) 231-7922.

UPO is approved as a Housing Counseling Agency by the U.S. Department of Housing and Urban Development (HUD).


Keeping the Dream

Are you late in paying your mortgage or concerned about your ability to pay in the future? We provide free assistance to borrowers in distress.

Homeowners who are facing default or have already defaulted on a mortgage may speak with one of our foreclosure prevention counselors or set up a session to discuss their options moving forward.

For more information or to schedule an appointment, please call : (202) 231-7922.


Low—income DC residents demonstrating a hardship, can receive payment for back rent or first month’s rent and security deposit through the Emergency Rental Assistance (ERAP).
Please call: (202) 231-7922 or email housingservices@upo.org for an appointment.


Looking for an affordable new apartment or house in DC? Sign up for Inclusionary Zoning (IZ)!

  • Inclusionary Zoning is a program that sets aside 10% of new units in apartment or housing developments for people earning a lower income.
  • You must register by attending a workshop offered by UPO and other providers and following the process for signing up.
  • Once registered, you will be notified when a unit becomes available.
  • You must be ready to occupy the unit when contacted. If you need credit counseling to qualify, make an appointment now with a UPO housing counselor!
  • You must meet the income guidelines to qualify for housing and earn no more than 80% of the median family income. (See the DHCD website and this PDF for details on income, rent, and purchase prices.)

UPO holds virtual IZ workshops every month on chosen Wednesdays. Sign up for a workshop – call (202) 238-4682 or email izworkshops@upo.org

ADU D.C. Homeowner’s Manual

How to Build an Accessory Apartment or Second Dwelling in the District of Columbia
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