Get Started!

It takes less than 30 seconds to move toward homeownership. And it is free. Let us help you.

Fairfield

CONTACT US FOR MORE ANSWERS

The Office administers the following programs with funding provided by the United States Department of Housing & Urban Development (HUD):

Handyman Program

This program is intended to assist very low-income homeowners with minor maintenance and repairs to their primary place of residence. For qualified homeowners, the Town will pay the cost of all labor associated with the desired repairs, up to a maximum of eight (8) hours per project. The homeowner is responsible solely for the cost of any materials. To be eligible for assistance under this program, applicants must meet the income guidelines for a very low-income household as provided below. (Click here for the HUD Income Guidelines Chart).

For further information about this program or to request an application, please contact the Office of Community & Economic Development at (203) 256-3120.

Return to top.

Residential Rehab Program

The Town’s Neighborhood Revitalization Program is geared toward the preservation and enhancement of the Town’s housing stock with the overall goal of increasing the supply of affordable housing. There are two components to this program. The Single-Family Rehabilitation Program focuses on providing assistance to income-eligible, Fairfield homeowners to effect repairs and/or improvements to their place of residence. The Multi-Family Rehabilitation Program provides funds with which to rehabilitate rental properties in exchange for a commitment to preserve the units as affordable.

Single-Family Rehabilitation

This program is intended to provide Fairfield homeowners with financial assistance in the form of special, no-interest program loans to perform needed improvements and repairs to their place of residence. These loans, which are recorded as a lien on the property, are re-paid when the owner sells and/or transfers the property, refinances or passes away. Applicants must meet HUD Income guidelines in order to participate in this program. Certain other restrictions do apply. Eligible projects include those that seek to improve home condition, prevent or correct physical deterioration, conserve energy and/or correct code violations, if present. The program cannot finance the cost of new additions or improvements to non-habitable space such as garages, sheds or outbuildings. Additionally, the Town cannot assist with interior painting/decorating, cosmetic improvements, landscaping or the purchase/installation of equipment or furnishings not considered an integral fixture of the property. For further information or to request an application, please contact the Office of Community & Economic Development at (203) 256-3120.

Multi-Family Rehabilitation

This program is intended to increase the supply and improve the condition of affordable rental housing in Fairfield through the conversion of appropriate non-residential structures and the rehabilitation of existing rental units. The Town will provide financial assistance to eligible property owners so that they might perform needed improvements and repairs to rental properties. Funds need not be re-paid, provided that rents meet affordability guidelines and that tenants meet HUD income guidelines. The term of the rent restriction is based on the level of assistance provided. The program seeks to fund renovation projects that improve home condition, prevent or correct physical deterioration, conserve energy and/or correct code violations, if present.

Construction of new housing units or improvements to out buildings, such as garages or sheds, are ineligible for assistance, as are interior painting/decorating and the cost of luxury items or furnishings that do not constitute an integral structural fixture. The property must be located in the Town of Fairfield and meet certificate of occupancy requirements. Additionally, the owner must be current on all property taxes and possess a valid homeowner’s insurance policy and flood insurance, as required. Certain other restrictions do apply. For a complete list of program requirements and an application, please contact the Office of Community & Economic Development at (203) 256-3120.

Lead-Based Paint

Many houses and apartments built before 1978 have paint that contains lead. Lead paint can pose serious health hazards, especially to small children, if not properly addressed. HUD regulations require that any dwelling constructed prior to 1978 and occupied by families with children under seven (7) years of age be inspected for cracking, scaling, chipping, peeling or loose paint surfaces if the property owners are seeking homeownership or rehabilitation assistance. If any of these defective paint conditions are found, they need to be corrected either before, or in conjunction with, any other work being done with HUD funds. Costs associated with this work are eligible under the Neighborhood Revitalization Program. Further information on this program may be obtained through the Office of Community & Economic Development.

Homeownership Assistance

The Town’s Homeownership Assistance Program is funded by a grant from the U.S. Department of Housing & Urban Development (HUD). The program is intended to expand homeownership opportunities for income-eligible, first-time homebuyers who qualify to purchase a home but may not have sufficient financing on their own to complete the purchase transaction.

Assistance may be used toward the purchase of any owner-occupied, single-family, two-family or condominium unit in Fairfield. The program is not available for the purchase of non-owner occupied, investment properties. The Town provides two forms of assistance under the program.

Downpayment Assistance: The Town will provide 50% of the required down-payment up to a maximum of $30,000 toward the purchase of a home through a no-interest loan, payable when the owner re-finances, transfers the property or passes away.
Closing Costs: The Town will help pay reasonable closing costs up to a maximum of $2,500. Funds are provided as a grant and need not be re-paid. Funds may be used toward attorney fees, the cost of appraisals and/or pre-paid interest and other financing charges.

All applicants are required to attend and furnish a certificate of completion from a HUD-certified first-time homebuyer counseling program. To be eligible for assistance under this program, applicants must meet the following income guidelines and be a first-time homebuyer. For purposes of this program, a first-time homebuyer is defined as someone who has not had an ownership interest in a residential property within the past three (3) years.

Please note that program eligibility and income requirements are subject to change without further notice. For further information or to request an application, please contact the Office of Community & Economic Development at (203) 256-3120.

Please refer to the table below to determine your potential income eligibility
for each program of interest.

Number in Annual Household Income May Not Exceed
Household Handyman Program Housing
Rehabilitation Homeownership
1 $30,350 $45,100 $45,100
2 $34,650 $51,550 $51,550
3 $39,000 $58,000 $58,000
4 $43,300 $64,400 $64,400
5 $46,800 $69,600 $69,600
6 $50,250 $74,750 $74,750
7 $53,700 $79,900 $79,900
8 $57,200 $85,050 $85,050
Please note that program eligibility and income requirements are subject to
change without notice.
Your annual household income is calculated based on the Adjusted Gross Income
for all members of your household as reported for federal tax purposes.
Annual Income includes:
 Wages, salaries, tips and commissions;






Self-employment income from a business;
Interest, dividends, net rental income or income from estates and
trusts;
Social Security or railroad retirement income;
Supplemental Security Income, Aid to Families with Dependant
Children or other public welfare programs;
Retirement, survivor or disability pensions;
Any other source of income received regularly including
Veterans’ (VA) payments, unemployment compensation and
alimony