Connecticut has specific low-interest loans and direct grants to help you buy a home, add vital accessibility changes to your house, or upgrade your property for safety. Use this page to check rules and connect with our official program partners.
Time to Own (TTO)
If you are struggling to save enough money for a down payment or for closing costs, this program can help. It provides a specialized, forgivable loan of up to $25,000 built specifically for first-time homebuyers to help you cover those upfront buying costs.
Contact info: Connecticut Housing Finance Authority (CHFA)
Phone: 860-571-3541
Email: sfaminquiry@chfa.org
Check Time to Own rules
Time to Own – Rehabilitation (TTO-Rehab)
If you bought your home using the Time to Own program, you can get additional financial support through grants or forgivable loans to cover major repairs and upgrades. You can use these funds for capital improvements on your new property, such as replacing a roof, updating plumbing and electrical systems, or fixing a well or septic tank.
Contact info: Capital for Change
Kristen Fusco, Director, Consumer Lending Department
Phone: 860-761-1627
Email: KFusco@capitalforchange.org
Learn more about TTO-Rehab
Energy Conservation Loan (ECL)
If you own and live in a residential property with 1 to 4 units, this program can help you pay for cost-saving energy upgrades. Funded by the Department of Housing (DOH) and managed by Capital for Change (C4C), these below-market loans offer up to $30,000 for the purchase and installation of eligible energy efficiency improvements.
Contact info: Capital for Change
Kristen Fusco, Director, Consumer Lending Department
Phone: 860-761-1627
Email: KFusco@capitalforchange.org
Check energy upgrade eligibility
Home accessibility and disability upgrades
If you or a loved one has a disability, use these grant options to fund vital modifications so you can move around your property safely.
𠊌onnecticut Home Improvement Program (CHIP) . You can get financial assistance to make necessary home repairs and improvements to your property. If you are a low- or moderate-income homeowner living in a 1- to 4-unit home, you can use this program to improve your home's safety, livability, and accessibility. Through a partnership between the DOH and Capital for Change, you can receive up to $35,000 in assistance if you qualify.
Contact info: Capital for Change
Kristen Fusco, Director, Consumer Lending Department
Phone: 860-761-1627
Email: KFusco@capitalforchange.org
Learn more about Capital for Change
Loans for Accessibility
If you or a family member has a disability, you can get financial support to make vital accessibility modifications and critical improvements to your home. This program helps low-to-moderate-income homeowners fund changes like adding wheelchair ramps, widening tight doorways, or completing major structural updates so your property matches your physical needs. To qualify, your total household income must be at or below 100% of your local Area Median Income (AMI). This statewide initiative is funded by the DOH and administered in partnership with the Corporation for Independent Living (CIL).
Contact info: Corporation for Independent Living
Fran Mazzarella, Sr Real Estate Developer
Phone: 860-563-6011
Email: fmazzarella@cil.or
Apply for accessibility improvements through the CIL
Check local 2-1-1 accessibility screening criteria
Veteran Specially Adapted Housing Program
If you are a service member or veteran with a disability connected to your military service, the Veterans Affairs (VA) offers direct housing adaptation grants. This money helps you build a fully accessible home, purchase a modified property, or upgrade your current house with safety ramps and accessible layouts.
View Specially Adapted Housing Program guidelines
Housing programs on pause
Healthy Homes Program / Lead Hazard Reduction
The Healthy Homes Program was built to improve household safety by removing toxic lead paint, mold, asbestos, and structural injury hazards for families.
Important Status Notice: The Healthy Homes Program is closed and unable to accept new applications or start new projects at this time. The DOH is actively working to relaunch this initiative and is negotiating a $7.55 million contract with HUD to assist up to 275 housing units across the state. If you need immediate lead or safety inspections, contact your local city health department.
Contact info: Connecticut Children’s Medical Center
Esther Figueroa Phone 860-837-6242
Email: efigueroa@connecticutchildrens.org
View Healthy Homes Program status updates
Need a different program?
If this resource does not match what you are looking for, you can browse our full directory of State, federal, and municipal housing tools.
View all housing programs in CT