The down payment assistance programs that are listed here are a sample of what is available for homebuyers in Connecticut. This can be your starting point as you search for the right program for your family. Home Purchase and Refinance Loans

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CHFA Downpayment Assistance Program

Financial Assistance for Homebuyers in Connecticut

In an effort to help individuals achieve their dreams of owning a home, the Connecticut Housing Finance Authority (CHFA) offers the Downpayment Assistance Program (DAP). This can go a long way toward helping to cover out-of-pocket expenses associated with a mortgage transaction that many first-time homebuyers could not afford otherwise.

Available Assistance:
DAP assistance funds come in the form of a supplementary loan. In most cases, the DAP interest rate will match the interest rate of the borrower’s first mortgage (up to 6 percent). However, some borrowers under the Homeownership Program, the Home of Your Own Loan Program, the Police Homeownership Mortgage Program, and the Section 8 Housing Choice Voucher Homeownership Program may be eligible for a lower interest rate. Borrowers can apply for a DAP loan of at least $3,000.

Eligibility Requirements:
Any borrower who qualifies for a CHFA first mortgage can also apply for a DAP loan of at least $3,000. There are, however, some additional requirements to be considered eligible for assistance. Applicants must prove that they have sufficient income to pay both loans but don’t have the required savings to afford a down payment and/or the closing costs on the home.  Additionally, applicants are required to pay the $200 application fee for the program, as well as attend a free, 3-hour homebuyer education course before closing on the loan.
*Seller-funded down payment programs were eliminated in the Housing and Economic Recovery Act of 2008, but States and Local government agencies are still permitted to help borrowers finance their homes with second mortgages and grants. These agencies set different requirements that a borrower needs to meet in order to qualify for the grant programs, such as property location, and purchase price and income limits.

Down payment assistance programs and/or grants were researched by the team at Please note that all programs listed on this website may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.'s compilation is not a complete list, but it can serve as a starting point in your search for the down payment assistance program or grant for your situation. It is up to the consumer to contact these entities and find out the specifics of each program.

Down Payment Grants in Connecticut

The Connecticut Housing Finance Authority (CHFA) offers a Down Payment Assistance Program (DAP) with low interest rates to homebuyers who are eligible for a CHFA first mortgage. This assistance is provided in the form of a supplementary loan with below-market interest rates.

The Town of Fairfield in Connecticut offers a federally funded Homeownership Assistance Program to help income-eligible, first-time homebuyers who don’t have the funds needed to cover the down payment or closing costs on a home.

Hamden's Office of Housing and Neighborhood Development offers eligible applicants a First-Time Homebuyer Down Payment Assistance Grant. Under this program, qualified individuals receive up to $5,000 in matching funds in down payment assistance.

The HouseHartford Homebuyer Assistance Program was created in an effort to increase homeownership opportunities in the City of Hartford. It offers low and moderate-income homebuyers  down payment assistance up to a maximum of $40,000.

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