Connecticut down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Connecticut, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| CHFA Downpayment Assistance Program (DAP) | 4% of lesser sales price/appraised value; $3,000 minimum and up to $15,000 subject to required down payment | product/program specific | Repayable second mortgage; rate is lower of first-mortgage rate or 5% | Borrower must qualify to repay both first mortgage and DAP; education required. |
| CHFA Time To Own | Up to $25,000; current program can cover up to 20% down payment and 5% closing costs within program cap | product/program specific | 0% second, no monthly payment, 10% principal forgiven annually for 10 years | Limited funding and Connecticut residency/CHFA first-mortgage requirements apply. |
CHFA Downpayment Assistance Program (DAP)
CHFA Downpayment Assistance Program (DAP) is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
CHFA Time To Own
CHFA Time To Own is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
National programs Connecticut buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Connecticut's biggest DPA lesson
Connecticut currently has both standard CHFA DAP and the limited Time To Own forgivable program. V24 had only a generic CHFA reference; V25 separates both current state-administered options.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.