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CHIF/USDA Rural Services Homeownership Program


The First-Time Homebuyer Program provides financing at low interest rates to first-time homebuyers purchasing their primary residence in the State of Connecticut. Both first mortgages and down payment assistance loans are available to those who qualify.


We define a first-time homebuyer as someone who has not owned a home in the past three (3) years. If you have owned a home within this time frame, you may still qualify to buy a home in certain towns.

Our programs are designed to help families with specific incomes. Your income must be within the program limits to qualify for these loans. Please contact CHIF to determine your eligibility for our programs. You will need to know the town(s) you wish to live in, as well as the number of people who will live in your home. Limits for both income and sales price are set on a town-by-town basis. These limits are subject to change.

Key Features

Following are some of the key features of CHIF’s First-Time Homebuyer Program:
•Low interest rates
•30 year fixed rate term
•Low closing costs
•Down payment assistance
•One-on-one personal attention
•No application fee
•No prepayment penalty
•Special programs for police officers, military personnel, and teachers
•CHFA approved lender

For more information, or to determine your eligibility for the First-Time Homebuyer Program, please contact Kristen Caplin at:

(860) 761-1627 or (800) 992-3665 ext. 2033
Or E-mail: