What is a NACA ‘Targeted Member’ VS ‘Non Targeted Member’?

This information pertains to the DC/MD/VA surrounding areas.

Anyone who wishes go to through the NACA program may do so, as long as they have no current ownership in any real property.  There is also an owner occupancy clause, where you must live in the home you are looking to purchase. There is no income min, or max to go through the NACA program.

The difference between a Targeted Member VS Non Targeted Member is quite simple, we will break it down.

The NACA program specifically targets middle to lower income individuals & family’s. If you fall within a certain median income for a specific area, you are considered a ‘targeted member’.

Here are the MSA’s for the DC/MD/VA area. To find a specific cities median income or which MSA your city falls under, please visit the links below and type in the information requested




If you make under 100% of these yearly median incomes, you are what is considered a ‘targeted member’. You will be eligible for the lender matching grant part of the interest rate buy down if you have enough money. There are also no individual city purchase price maximums, you must only abide by YOUR qualification amount, while staying under the programs 417k purchase price cap for the DC/MD/VA area.

If you make over 100% of these median incomes above, you are what is considered a ‘non targeted member’ you will still get access to all of what the NACA program has to offer, you simply will have to abide by max purchase price limits city to city, along with your income qualification, along with the areas max purchase price of 417k.

So lets say you make 100k a year. You are a targeted member in the Washington/Arlington/Alexandria MSA, therefore you get all of the benefits of the no max cap(other than 417k) and lender matching grant with the buy down. You must purchase a property within this MSA to received all of these benefits.

If you make 100k you WILL have a max purchase price cap city to city(for instance Columbia MD is 319k) and you will NOT qualify for the lender matching grant with the interest rate buy down.

If you make under $86,700 yearly, you will be a targeted member in all MSA’s and will have no purchase price cap on any of the cities in the area, and also will qualify for the lender matching grant part of the interest rate buy down.

Want to learn how to buy the interest rate down to near 0%?

Want to see the difference between a 18k down payment with a regular loan vs using that same amount of money to but your interest rate down?

Kristopher Fraley , Realtor

A few years ago a serendipitous event(purchasing a home through the NACA program with a 0% 30 year fixed interest rate) inspired me to become a licensed real estate agent in the DC, Maryland & Virginia area, and I love it! There is nothing greater than giving back and its a fantastic process that I feel lucky to participate in. With so many money hungry sharks preying on innocent people in the real estate industry, I feel honored when people trust my team to help them obtain the best terms on a mortgage possible. I can be reached by emailing kris@no-downpayment.com