CHFA Homeownership & Rehabilitation Loan Programs

Connecticut Housing Finance Authority (CHFA)

Available Home Repair

About This Program

CHFA Homeownership & Rehabilitation Loan Programs is available to homeowners in Hartford, CT.

The Connecticut Housing Finance Authority offers below-market 30-year fixed mortgages and down payment assistance to income-eligible first-time homebuyers in Hartford. CHFA also offers rehabilitation loans for purchase-rehab projects and a Disabled Persons Homeownership Mortgage. The Time to Own program provides forgivable second mortgages for down payment and closing costs for income-qualifying families.

Down payment assistance and below-market rates reduce total borrowing cost.

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Hartford, CT, you can combine this program with other local help to cut your cost:

Key Details

  • Below-market 30-year fixed mortgage for first-time homebuyers
  • Down payment assistance through Time to Own program
  • Disabled Persons Homeownership Mortgage available
  • Rehabilitation loan program for purchase-plus-repair
  • Apply through a CHFA-approved participating lender

How to Apply

Get free help applying Visit Official Program Page Track this program

860-721-9501

A grant-savvy contractor in Hartford, CT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Hartford early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: No deadline; apply through CHFA-approved lender

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

Who qualifies for CHFA Homeownership & Rehabilitation Loan Programs in Hartford?

CHFA Homeownership & Rehabilitation Loan Programs is open to homeowners in Hartford, CT.

How do I apply for CHFA Homeownership & Rehabilitation Loan Programs in Hartford, CT?

Apply directly with Connecticut Housing Finance Authority (CHFA) using the official program link on this page or call 860-721-9501. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Hartford, CT contractors

Find More Programs in Hartford, CT

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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