Help to buy in Connecticut
Home-buying assistance programs in Connecticut
3 official programs for down payment and closing cost help in Connecticut, from Connecticut Housing Finance Authority and Connecticut Housing Finance Authority (CHFA), on behalf of the CT Department of Housing. We show what each program says on its own page, with the date we checked it.
Key numbers in Connecticut
- Verified programs
- 3
- from Connecticut Housing Finance Authority and Connecticut Housing Finance Authority (CHFA), on behalf of the CT Department of Housing
- First-time buyers only
- 1
- 2 do not require it or their pages do not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 3
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Repayable
Second loan with monthly payments
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Forgivable
Second loan forgiven if you stay in the home
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Connecticut
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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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
What it gives, per the source
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.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Connecticut Housing Finance Authority (CHFA)
Verified November 5, 2026
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Connecticut state agency loan of up to $25,000, with no interest or monthly payments, for the down payment and closing costs, forgiven 10% each year over ten years; it goes with a CHFA mortgage
What it gives, per the source
0% Interest rate with no monthly payment required. … Ten percent (10%) of the principal balance will be forgiven annually, on the anniversary date of the loan closing, until the loan is fully forgiven on the tenth anniversary. … Financing to cover up to 20% down payment and up to 5% closing costs. … Loan amounts up to $25,000. … The minimum Time To Own loan amount is $3,000.
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Connecticut Housing Finance Authority (CHFA), on behalf of the CT Department of Housing
Verified November 5, 2026
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Connecticut state agency mortgage for first-time buyers and for people who have owned a home before, with deferred 0% help of up to 3.5% of the loan for the down payment or closing costs
What it gives, per the source
DPA can be used for down payment and/or closing costs … Deferred down payment assistance up to 3.5% of the first mortgage loan amount at 0.00% interest rate
- First-time buyer?
- No first-time requirement
- Accepts ITIN?
- Its site does not confirm
Run by Connecticut Housing Finance Authority (CHFA)
Verified November 5, 2026
No program matches your search.
Help to repair your home
Repair programs in Connecticut
One program we checked in Connecticut to repair your home or make it more efficient, with what its page says.
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Connecticut's Weatherization Assistance Program (CT WAP)
Run by Connecticut Department of Energy & Environmental Protection (DEEP)
Connecticut weatherization program: upgrades that cut energy use in low-income homes, through local agencies
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.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Connecticut?
Of the 3 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 3. Ask the participating lender directly before you start, and ask for it in writing.