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Under the American Rescue Plan Act of 2021, Connecticut has been awarded approximately $123 million to establish MyHomeCT, a program funded by the Homeowner Assistance Fund. The goal of MyHomeCT is to cure mortgage delinquencies and defaults, and prevent foreclosures among eligible homeowners that occurred as a result of the COVID-19 pandemic. The program also includes assistance for qualified non-mortgage expenses including, but not limited to, non-escrowed real estate taxes and insurance as well as condominium or homeowners' association fees.
The CT Department of Housing is the responsible entity for the program, and has designated the Connecticut Housing Finance Authority (CHFA) to administer it on its behalf.

MyHomeCT Call Center:      (877) 894-4111   (Mon-Fri 10 AM – 8 PM EST)

  Program Benefits

The MyHomeCT Program will offer reinstatement, up to 12 months of forward payments or a combination of both to eligible Connecticut homeowners who have suffered a financial hardship as a result of the COVID-19 pandemic.

 

  Foreclosure Prevention/Home Retention Assistance Offered

Mortgage Assistance Grant
  One-time   Ongoing *  
 

 

Mortgage reinstatement for homeowners who have an arrearage (total overdue amount) but have the ability to make continued monthly payments.

 

  Up to 12 months of monthly mortgage assistance for homeowners who are unable to make their payments going forward. Assistance may also be used to cure an arrearage (total overdue amount) if there is one.  
 

 

   
Non-Mortgage Assistance Grant
  One-time   Ongoing *  
 

 

One-time payment of delinquent qualified non-mortgage expenses to bring them current on behalf of a homeowner who can afford to pay these expenses going forward, after being caught up.

 

  Up to 12 months of assistance for homeowners who are unable to make their qualified non-mortgage expense payments going forward. Assistance may also be used to cure an arrearage (total overdue amount) if there is one.  
     
 

Qualified expenses for either program can include:

 
     
 
 
 
  • non-escrowed (not included in mortgage payment) real estate taxes (2018 Grand List forward)
  • non-escrowed (not included in mortgage payment) homeowners' insurance and flood insurance
  • water and sewer liens
  • ground lease or lot payments
 
  • condominium and/or homeowners' association fees
  • condominium and/or homeowners' association special assessments
  • fees that were advanced by the loan servicer/mortgage company  on behalf of an applicant with a reverse mortgage
 

* After the initial reinstatement for ongoing assistance, there must be enough funds remaining to make at least 6 months of payments without exceeding the Program maximum assistance amount.  In some cases, award recipients may be required to attend a foreclosure prevention and budgeting class to receive ongoing mortgage or non-mortgage assistance. 

 

A homeowner may be eligible for one or more grants, not to exceed the MyHomeCT program maximum award of $50,000.

 

  Eligibility Requirements

  • Applicants must have experienced a COVID-19 related financial hardship after January 21, 2020, or experienced a financial hardship before January 21, 2020 which was then worsened/extended by the pandemic. 
  • Assistance for a delinquency existing from prior to January 21, 2020 is capped to three months so any amounts owed before October 2019 will not be eligible. Real estate property taxes that were assessed on the October 2018 Grand List and subsequent Grand Lists are eligible expenses. 
  • Homeowner must live in the state of Connecticut and occupy the property as their primary residence.
  • Property must be an owner-occupied 1-to-4 unit house, condominium or manufactured home.
  • Homeowners applying for mortgage assistance must have a mortgage that had a principal balance at or below the Federal Housing Finance Agency’s conforming loan limits for Fannie Mae and Freddie Mac at the time of origination.
  • Household income must be equal to or less than 150% area median income (AMI), adjusted for household size. 
Click here to utilize any of the following methods to verify your income limits based on the town in which your property is located. 

  Find your Local MyHomeCT Resource Center

This map displays the MyHomeCT Resource Centers which have staff available to help you with your application or answer any questions on an existing application. Also, the map displays statewide libraries that have the technology available to help you with your application:

View larger map

  

Frequently Asked
Questions

Check out the Frequently asked questions for the MyHomeCT program.

Program Dashboard

Check out the Program Dashboard for the MyHomeCT program (coming soon).

Resources and Tools

Check out the Additional Resources for the MyHomeCT program.

Report Fraud

Click here for more information on how to report fraud. 

  

Marketing Materials

Help share information in your community regarding the MyHomeCT program.

Sign Up

Sign up for updates and notifications.

MyHomeCT Plan

Check out the approved MyHomeCT Plan.

Participating Servicers

Check out the list to see which servicers/mortgage companies are participating with MyHomeCT.

  

  Additional Information

Application Portal:

 www.myhomect.org

Call Center:  

 (877) 894-4111  (Mon-Fri 10 AM – 8 PM EST)

  

This site provides information only regarding the MyHomeCT program and does not constitute legal advice. For legal advice, please consult your own attorney or for financial advice, please consult your financial advisor or a certified housing counselor. The information on this site is subject to change without notice.

 
 
© 2022 Connecticut Housing Finance Authority. All Rights Reserved
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