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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HouseHartford Homebuyer Assistance Program

Financial Assistance for Homebuyers in Connecticut

The HouseHartford Homebuyer Assistance Program was created in an effort to increase homeownership opportunities in the City of Hartford. Funded by HUD’s HOME Investment Partnerships (HOME) Program, HouseHartford helps individuals achieve their dreams of homeownership by offering low and moderate-income homebuyers with down payment assistance.

Available Assistance
The HouseHartford Homebuyer Assistance Program provides assistance funds in the form of a second mortgage. Income-eligible applicants can receive up to 20 percent of the total price in down payment assistance, with a maximum of $40,000. The loan is forgiven over a 5 to 15-year period, just as long as the property serves as the applicant’s primary residence.

Eligibility Requirements
In order to be considered eligible for the HouseHartford Program, applicants must meet certain requirements. The program is meant for families falling in the low and moderate-income brackets; any individual with an annual household income higher than 80 percent of the Hartford area median income (AMI) cannot qualify for assistance (limits shown below). They are also required to make a minimum contribution from their own funds, depending on their income range; those at or under 50 percent of the AMI must contribute at least $1,000, and $2,000 for those between 50 and 80 percent of the AMI.

Homebuyer Education
Applicants are responsible for completing an 8-hour homebuyer education class prior to closing. 

Income Limits
Household income is defined as all income received by household members (18 years or older) who will be living in the home, even if they are not on the mortgage.

1 person household: $47,600
2 person household: $54,400
3 person household: $61,200
4 person household: $68,000
5 person household: $73,450
6 person household: $78,900
7 person household: $84,350
8 person household: $89,800

(Note: These figures were accurate at the time of publication and may no longer be current - visit the program website for updated information.) spacer

Down payment assistance programs and/or grants were researched by the team at FHA.com. 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.

FHA.com'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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