Assistance program · Connecticut
Downpayment Assistance Program (DAP) Loan
Connecticut state agency second mortgage for the down payment and closing costs: 4% of the price, between $3,000 and $15,000, together with a CHFA mortgage
At a glance
- Most it gives, per the source
- Up to $15,000
- What its page says; your amount depends on the price and the loan.
- Kind of help
- Repayable
- Second loan with monthly payments
- First-time buyer?
- Not stated — ask
- The source does not say whether you must be a first-time buyer
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan with monthly payments
What it gives
Up to $15,000
Source text
A DAP loan is a second mortgage on your home. … Home purchase assistance up to $15,000 … Your DAP loan must be at least $3,000 … Loan amount will be equal to 4.00% of: (i.) the sales price or, (ii.) the appraised value, whichever is less. … Loan interest rate will be equal to: (i.) the first mortgage interest rate in effect or, (ii.) 5.00% … whichever is less. A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
You must first apply and qualify for a CHFA mortgage from a CHFA- Participating Lender. … An eligible borrower must show his or her ability to repay the CHFA first mortgage and the DAP loan. … You will be required to attend a free Homebuyer Education class prior to closing. - First-time buyers only Not stated — ask
- Homebuyer course required Yes
- Minimum credit score Not stated — ask
- Income limit The source does not mention one
- Price limit Per the program table
- Mortgages it works with Not stated — ask
- Immigration requirement The source does not mention one — ask
- Accepts ITIN? Not stated — ask
- Spanish materials Not stated — ask
- Program status The source does not say whether it is open — ask
- Where it applies All of Connecticut
What its page says about being open
Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.
Your area in numbers
What buying costs in Connecticut
The program covers all of Connecticut. The first column is Connecticut's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The typical home value ($366,900) fits within Connecticut's FHA limit ($541,287).
| Figure | Connecticut | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $366,900 | $307,600 (Northeastern Connecticut Planning Region) to $652,900 (Western Connecticut Planning Region) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 (Capitol Planning Region) to $977,500 (Western Connecticut Planning Region) | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 (Capitol Planning Region) to $977,500 (Western Connecticut Planning Region) | FHFA |
| HUD low income (80%), household of 4 | $100,000 | $99,600 (Naugatuck Valley Planning Region) to $117,100 (Western Connecticut Planning Region) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Ask first whether it is open
Its page does not say whether it is open or still has funds. That is the first thing to ask.
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Take the homebuyer course
The program requires it. HUD-approved housing counseling agencies teach courses. Connecticut has 13 agencies on HUD's list, and 9 serve people in Spanish.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 9 points unclear. Write them down for when you talk to Connecticut Housing Finance Authority.
What its page does not say
- Is it open now, and does it still have funds?
- Is it only for first-time buyers?
- Is there an income limit for my household?
- Is there a maximum price for the home?
- What minimum credit score do you require?
- Which mortgage types does it work with: FHA, VA, USDA or conventional?
- Which immigration status or residency documents do you ask for?
- Do you accept an ITIN?
- Do you have materials or staff in Spanish?
Worth asking for this kind of help
- What rate and monthly payment does the second loan have?
Against the others
How it compares with Connecticut's other programs
The 3 programs we checked in Connecticut, with the same fields from their official pages. "Doesn't say" means its page does not make it clear.
It is the only one of Connecticut's 3 programs whose page does not say whether you must be a first-time buyer. It is one of 3 out of 3 that publish an amount with the figure in their own wording. It is the only program in Connecticut on our list with "repayable" help. It is the only one that requires a homebuyer course.
Swipe the table to see every column.
| Program | Kind of help | Published amount | First-time buyers only | Course required | Accepts ITIN | Where it applies |
|---|---|---|---|---|---|---|
| Downpayment Assistance Program (DAP) Loanthis program | Repayable | Up to $15,000 | Doesn't say | Yes | Doesn't say | Statewide |
| Time To Own - Forgivable Down Payment Assistance | Forgivable | Up to $25,000 | Yes | Doesn't say | Doesn't say | Statewide |
| Next Move with Deferred Down Payment Assistance Program | Deferred | Up to 3.5% of the loan | No | Doesn't say | Doesn't say | Statewide |
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Help and programs
Homebuyer education courses: when you need one
What a homebuyer education course is, when Fannie Mae, Freddie Mac and assistance programs require one, and where to take it for free or in Spanish.
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Help and programs
HUD housing counselors: what they do and what they cost
What a HUD-approved housing counselor does, what they help with (buying, renting, missed payments, credit), what they may charge and how to find one.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.