Connecticut First-Time Home Buyer Programs 2026
Up to $20,000 DPA available through Connecticut Housing Finance Authority (CHFA). CHFA Down Payment Assistance Program (DAP) offers up to $20K at 0% — forgiven after 5 years in some cases.
Max Assistance
Up to $20,000 DPA
Type
0% deferred loan (DAP)
Min Credit
620+
Max Home Price
$502,500
Ready to apply for Connecticut assistance?
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Connecticut First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| CHFA DAP (Down Payment Assistance) Best statewide program | Up to $20,000 | 0% deferred loan | 620+ | $85.4K–$131.3K |
| CHFA Teachers Mortgage Assistance CT licensed teachers | Extra 0.125% rate off | Rate discount | 620+ | Same |
Eligibility Requirements
- ✓First-time buyer or 3-year rule
- ✓620+ credit score
- ✓Income within CHFA limits
- ✓Homebuyer education required
- ✓Primary residence in CT
Pro Tip
CHFA programs available statewide: Hartford, Bridgeport, New Haven, Stamford, Waterbury and all CT towns.
How to Apply for Connecticut Programs
Get Pre-Approved
Work with a CHFA-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan (DAP) is applied at closing — you don't pay extra at the table.
Official Agency
Connecticut Housing Finance Authority
CHFA — Connecticut official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Connecticut?
The best program in Connecticut is the CHFA DAP (Down Payment Assistance), which offers Up to $20,000 as a 0% deferred loan. Minimum credit score: 620. Income limit: $85.4K–$131.3K.
How much down payment assistance is available in Connecticut?
Connecticut offers up to Up to $20,000 DPA through Connecticut Housing Finance Authority (CHFA). The assistance is structured as a 0% deferred loan (DAP). Income limits are $85,400–$131,300 depending on household size and county.
What credit score do I need for Connecticut first-time buyer programs?
Most Connecticut programs through CHFA require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an CHFA-approved lender for your exact score requirements.
What is the income limit for Connecticut first-time buyer programs in 2026?
In 2026, Connecticut income limits are $85,400–$131,300 depending on household size and county. The home price limit is $502,500. These limits are set by Connecticut Housing Finance Authority.
Don't Leave Up to $20,000 DPA on the Table
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