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Understand the basic steps to becoming a homeowner.
Are you experiencing financial hardship? CHFA has programs that may help you.
Real Estate Agents
Owners and Property Managers
**Rates are subject to change.
Additional fees may apply.
CHFA loans offer competitive incentives that help home seekers become homeowners. Contact a CHFA- Participating Lender to find out which mortgage is best for you.
Lower mortgage insurance premiums will reduce your monthly payments with these loan programs. Mortgage insurance premiums stop once your equity in the home reaches 20%.
Below-market interest rate mortgages along with a CHFA down payment assistance program loan to eligible applicants, makes the dream of homeownership more affordable.
If you can afford monthly mortgage payments but don't have enough saved for the down payment and closing costs, the CHFA Down Payment Assistance Program loan can help you make the switch from renting to owning a home.
The Time To Own loan can be combined with a CHFA Down Payment Assistance Program (DAP) loan to eligible applicants for both down payment and closing cost assistance for the purchase of your first home.
Contact Capital for Change, Inc. (C4C) at (855) 656-5500 for details.
Certain areas of Connecticut are designated "targeted areas" based on IRS guidelines . If you purchase a home in a federally designated "targeted area," you will receive an additional 0.25% discount on CHFA's published interest rate. The first-time homebuyer* requirement is waived. Borrowers cannot combine the Target Area discount with any other discount rate.
Learn more about Targeted Areas in Connecticut.
*A first-time homebuyer is also defined as someone who has not owned a home in the past three years.