After a DALP lottery

• If MOHCD selects your application from the lottery, you must send in a DALP Full Application package with all required supporting documents. You will have 5 business days to send in the complete application package after you are being contacted.
• Keep in mind that depending on your ranking in the lottery, it may take several months or longer until you are contacted.

If MOHCD determines you're income-eligible, MOHCD will issue a DALP pre-approval and reserve the funds for you. Typically, MOHCD completes the application review within 15 business days upon receipt of a complete application package.

• If you get a DALP pre-approval, you have 90 days to enter a sales contract for any property on the open market.  
• Once you're in contract, you will work with your mortgage loan officer on loan approval. 
• You must also meet with your housing counselor to get a certificate of homebuyer education. 

• Your mortgage loan officer will send the lender package to MOHCD for final approval. MOHCD will take 15 business days to review, and issue a loan commitment letter if you meet the program requirements. The letter allows 30 days to close the sale. 
• At closing, you pay a DALP program fee as part of your closing costs. 

You will be able to do one last walkthrough of the property.