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American Dream Downpayment Initiative (ADDI) Program
for Prince George's County Homebuyers


The American Dream Downpayment Initiative ("ADDI") provides downpayment and closing cost assistance to families earning up to 80% of the area median income who are first-time homebuyers (or have not owned a home in the last 3 years) for the purchase of single-family housing that will serve as the family's principal residence. The ADDI program is a 5-year forgivable loan at 0% interest of up to $10,000 for downpayment and/or closing costs. Most will not exceed $5,000.

Prince George's County Department of Housing and Community Development administers the program, and Housing Initiative Partnership (HIP) or Kairos can assist homebuyers with their applications. Many first-time homebuyers are unable to save enough money to pay downpayment and closing costs and as a result, this is one of the most significant obstacles to homeownership among low-income families. The purpose of ADDI is to provide funding targeted for families to be used for downpayment and closing cost assistance to remove this obstacle. Additional downpayment/closing cost grants are available. Ask HIP or Kairos which may apply to you.

  • Purchaser(s) must be first-time homebuyers or not have owned a home in at least three (3) years.
  • Purchaser(s) must earn 80% or less of the area median income based on household size.
  • Purchaser(s) must buy a home located in Prince George's County, Maryland.
  • Purchaser(s) must live in the home as their primary residence during the 5-year term of the downpayment/closing cost loan; no temporary subleases.
  • Purchaser must complete an intensive homeownership educational workshop conducted by a HUD-approved housing counseling agency PRIOR to applying for ADDI funds.
  • Contribute a minimum of $1,000 toward the purchase of the home.
  • Qualify for a first mortgage.
Maximum Household Income
80% of AMI as of 11/16/2011
Household Size Maximum Income Household Size Max. Income
1 $49,200 5 $75,900
2 $56,200 6 $81,500
3 $63,250 7 $87,150
4 $70,250 8 $92,750


  • Please allow 60 days from contract ratification to settlement.
  • Once a complete application has been submitted to HIP, Prince George's County will require 30 to 45 days to review and approve the application.
  • Applications CANNOT be faxed or dropped off. Client MUST make an appointment with a counselor to provide and review completed ADDI application.
How Do I Apply?

To get started, or get more information on the program, you will need to contact one of the ADDI providers listed below:

Kairos - (301) 899-8487
Housing Initiative Partnership - (301) 699-5875

For more details and an application, click here >
For an information flyer, click here >

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