"The Freddie Mac HFA Advantage Program brings more diversity to the DC Open Doors' home loans portfolio and provides more avenues to home ownership in the District," said Maria K. Day-Marshall, Interim Executive Director, DCHFA. Freddie Mac HFA Advantage Program and Freddie Mac HFA Advantage Program with DPAL (Down Payment Assistance Loan of 3 percent) Minimum Eligibility Requirements/Features: ? 97 percent loan-to-value and up to 105 percent total loan-to-value ? $125,580 maximum income ? 45 percent maximum debt-to-income ratio ? 3 percent Down Payment Assistance Loan available – 0 percent, $0 payment, 20 percent forgiven annually ? Minimum 680 credit score for loan-to-value exceeding 95 percent ? Minimum 640 credit score for 95 percent loan-to-value and below ?