Connecticut · DPA program

CHFA Time To Own

$50,000

Up to 20% for down payment + 5% for closing costs. Capped at $50K in high-opportunity areas, $25K elsewhere.

Connecticut's Time To Own provides 20% of purchase price plus 5% for closing costs — the highest percentage DPA in the country. It's a shared equity program: the state provides DPA in exchange for a share of future appreciation.

Amount$50,000

TypeDPA program

Available inConnecticut

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

20% DPA is the highest percentage of any state program. On a $300K duplex that is $60K.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

CHFA DAP (Connecticut) $20,000

Connecticut · Low-interest loan

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