2 programs can help buyers in Connecticut with a down payment and closing costs. Most are for first-time buyers with moderate incomes and are used with a participating lender.
$3,000 up to $15,000
A second mortgage for down payment and closing costs, repaid monthly at the first mortgage rate or 5%, whichever is lower. Used with a CHFA first mortgage.
Who qualifies: First-time buyers (or buyers in targeted areas); CHFA income and price limits; you must qualify to repay both loans.
Connecticut Housing Finance Authority · Agency website → · Checked 2026-09-30
$3,000 up to $25,000
A 0% loan with no monthly payments; 10% is forgiven each year until it’s fully forgiven after 10 years. Covers down payment and closing costs with a CHFA first mortgage. Offered for a limited time as funding allows; about $18 million was available on September 21, 2026.
Who qualifies: Buyers who qualify for a CHFA first mortgage and don’t own other property; income limits based on area median; needs-based.
Connecticut Housing Finance Authority · Agency website → · Checked 2026-09-30
Most programs are a second loan with no monthly payment that is forgiven over time or repaid when you sell or refinance, and some are grants. You usually need a program first mortgage from a participating lender, a homebuyer education course and income under the program’s limit. Apply before you make offers, so your pre-approval reflects the help.
Programs change often; confirm the details with the agency.