Down payment assistance income limits in Connecticut
47 down payment assistance programs in Connecticut publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each Connecticut county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Capitol Planning Region | 2026 | $129,200 |
| Greater Bridgeport Planning Region | 2026 | $156,800 |
| Lower Connecticut River Valley Planning Region | 2026 | $129,200 |
| Naugatuck Valley Planning Region | 2026 | $114,000 |
| Northeastern Connecticut Planning Region | 2026 | $126,500 |
| Northwest Hills Planning Region | 2026 | $122,800 |
| South Central Connecticut Planning Region | 2026 | $123,200 |
| Southeastern Connecticut Planning Region | 2026 | $111,900 |
| Western Connecticut Planning Region | 2026 | $156,800 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| CHFA Down Payment Assistance Program (DAP)Statewide · Statewide | $124,600CHFA Bond income limits vary by county/town and household size (1-2 persons vs 3+ persons), with higher limits in federally targeted areas. Statewide examples (effective 1/15/2026): Hartford County non-targeted $124,600 (1-2)/$143,290 (3+), targeted $151,920 (1-2)/$177,240 (3+); Fairfield County non-targeted up to $151,300 (1-2)/$176,517 (3+); high-cost/targeted areas reach $205,800 (1-2)/$240,100 (3+). See CHFA Sales Price & Income Limits document for full table. | $750,000 |
| CHFA Government Insured Mortgage Programs | $174,440Gross income must be within CHFA Income Limits, which vary by CT planning region and household size (1-2 vs 3+ persons). Effective June 23, 2025: e.g., Capitol region $149,520 (1-2)/$174,440 (3+); Western (Stamford/Norwalk/Danbury) up to $205,800/$240,100. Higher limits apply in Targeted Areas. The $174,440 figure is the 3+ person Capitol-region limit. | $750,000 |
| CHFA HFA Advantage and HFA Preferred Loan Programs | $174,440Qualifying gross income cannot exceed CHFA Income Limits by household size and CT planning region (1-2 vs 3+ persons), effective June 23, 2025. Example: Capitol region $149,520 (1-2)/$174,440 (3+). | $750,000 |
| CHFA Home of Your Own ProgramStatewide · Statewide | See programBorrower gross income must not exceed CHFA Income Limits by household size and CT planning region (eff. June 23, 2025). Non-targeted statewide base $124,600 (1-2 person) / $143,290 (3+), up to $178,680 / $208,460 in highest target areas. Limits do not apply in a Targeted Area unless also using DAP/certain products. | $561,885 |
| CHFA Military Homeownership ProgramStatewide · Statewide | See programBorrower gross income must not exceed CHFA Income Limits by household size and CT planning region (eff. June 23, 2025). Non-targeted statewide base $124,600 (1-2 person) / $143,290 (3+), up to $178,680 / $208,460 in highest target areas. Limits do not apply in a Targeted Area unless also using DAP/certain products. | $561,885 |
| CHFA Mobile Manufactured Home Loan ProgramStatewide · Statewide | 100% of area median incomeIncome must not exceed 100% AMI (Fannie Mae/Freddie Mac Conventional limits). See CHFA Mobile Manufactured Home AMI chart (Rev. 5-21-25). Dollar AMI varies by county. | — |
| CHFA Mortgage Programs for Residents of Public Housing | $174,440Gross income must be within CHFA Income Limits by planning region and household size (effective June 23, 2025). | $750,000 |
| CHFA Police Homeownership ProgramStatewide · Statewide | See programBorrower gross income must not exceed CHFA Income Limits by household size and CT planning region (eff. June 23, 2025). Non-targeted statewide base $124,600 (1-2 person) / $143,290 (3+), up to $178,680 / $208,460 in highest target areas. Limits do not apply in a Targeted Area unless also using DAP/certain products. | $561,885 |
| CHFA Renovation Loan Programs | $174,440Gross income must be within CHFA Income Limits by planning region and household size (effective June 23, 2025). The acquisition cost (purchase + renovation) must be within CHFA Sales Price Limits. | $750,000 |
| CHFA Teachers Mortgage Assistance ProgramStatewide · Statewide | See programBorrower gross income must not exceed CHFA Income Limits by household size and CT planning region (eff. June 23, 2025). Non-targeted statewide base $124,600 (1-2 person) / $143,290 (3+), up to $178,680 / $208,460 in highest target areas. Limits do not apply in a Targeted Area unless also using DAP/certain products. | $561,885 |
| CHFA Time To Own - Forgivable Down Payment Assistance Program (TTO)Statewide · Statewide | $110,000Time To Own uses HUD Area Median Income (AMI) limits by Planning Region, separate from CHFA bond limits. As of 5/18/2025 (TTO AMI table), examples for a 4-person household at 80% AMI: Capitol Region (Hartford County) $101,280; Greater Bridgeport $119,120; Naugatuck Valley $99,200; Northeastern $93,520; Northwest Hills $99,520; South Central (New Haven) $107,440; Southeastern $103,200; Western $156,800. Higher income tiers (above 80% AMI up to CHFA bond limits) qualify for partial assistance. | $750,000 |
| City of New Britain HOME Ownership Program (HOP)New Britain · Hartford | 80% of area median incomeSingle-family purchasers must have income less than 80% of area median income for the New Britain area. Sample income limits (subject to annual change): 1 person $62,600; 2 $71,550; 3 $80,500; 4 $89,400; 5 $96,600; 6 $103,750. | — |
| City of New Britain Homeownership Program (HOP)New Britain · Hartford | 80% of area median incomeIncome limits by household size (rev Nov 2025): 1=$70,950; 2=$81,050; 3=$91,200; 4=$101,300; 5=$109,450; 6=$117,550. Single-family buyers must earn <80% AMI; multi-family (<=4 units) may exceed 80% if 51% of units are occupied by households <80% AMI. Subject to change annually. | — |
| City of New Haven Down Payment/Closing Cost Assistance ProgramNew Haven · New Haven | See programLimited to low-income families (income eligibility determined by the City). | — |
| CT Forever Home | See programHDF income guidelines apply; the flyer states income limits and other eligibility requirements may apply. Program-specific limits were not published (the county income table on HDF's site applies only to SmartMove, not CT Forever Home). | — |
| Down Payment/Closing Cost AssistanceNew Haven · New Haven | 80% of area median incomeHousehold income at or below 80% of the New Haven-Milford MSA Area Median Income, adjusted by household size: approximately $65,050 (1-person) up to $122,650 (8-person). Limits are updated annually by HUD. | — |
| FHLBank Boston Equity Builder Program (EBP) - Connecticut | 80% of area median incomeHouseholds earning no more than 80% of area median income (per FHLBank Boston income calculation guidelines). | — |
| FHLBank Boston Housing Our Workforce (HOW) - Connecticut | 120% of area median incomeHousehold income greater than 80% and up to 120% of HUD AMI for the property's location. Income calculated across all adult household members 18+. Buyers at or below 80% AMI use the Equity Builder Program instead. | — |
| Habitat for Humanity of Coastal Fairfield County Homeownership ProgramStratford · Fairfield | See programTotal household income within HUD income guidelines by family size; requires two years of steady income. | — |
| Habitat for Humanity of Eastern Connecticut Homeownership ProgramNorwich · New London | 80% of area median incomeIncome within HUD guidelines; Habitat homeowners earn between 50% and 80% of area median income. Specific figures provided at the AIM. | — |
| Habitat for Humanity of Greater New Haven Homeownership ProgramNew Haven · New Haven | 60% of area median incomeGross household income 30-60% of New Haven area median income (FY2025 HUD). Max 4p $90,950; includes income of all household members 18+. | — |
| Habitat for Humanity of North Central Connecticut Homeownership ProgramHartford · Hartford | 60% of area median incomeHousehold income within HUD guidelines; Habitat standard up to ~60% of area median income per published Income Guidelines. | — |
| Habitat for Humanity of Northwest Connecticut Home Partnership ProgramSalisbury · Litchfield | 60% of area median incomeFamily income below 60% of Litchfield County median by household size (2024 figures): 1p $48,000; 4p $68,520; 8p $90,480. | — |
| Hamden CDBG Homebuyer Assistance Grant ProgramHamden · New Haven | 80% of area median incomeAt or below 80% AMI, New Haven-Meriden CT HUD Metro FMR Area (FY2025): 1p $63,700; 2p $72,800; 3p $81,900; 4p $90,950; 5p $98,250; 6p $105,550; 7p $112,800; 8p $120,100 | — |
| Hamden First-Time Homeownership Downpayment Assistance ProgramHamden · New Haven | 80% of area median incomeHousehold income <= 80% of median family AGI for the New Haven/Meriden MSA, adjusted for family size. Policies & Procedures table: 1p $54,950; 2p $62,800; 3p $70,650; 4p $78,500; 5p $84,800; 6p $91,100; 7p $97,350; 8p $103,650. ($500 AGI credit each for minor child, elderly 62+, disabled member, and veteran/military status.) | — |
| HDF Live Where You Work CT | See programHousehold must be income-eligible per income guidelines set by town (see HDF 2026 LWYW income limits). | — |
| HDF SmartMove Connecticut | See programHousehold income cannot exceed HDF's income guidelines for SmartMove Connecticut (vary by HDF service area; see SmartMove CT income limits / service-area map). | — |
| Home Bridgeport - First Time Home Buyer Down Payment Assistance ProgramBridgeport · Fairfield | 80% of area median incomeHousehold income must be at or below 80% HUD Area Median Income for the Bridgeport Metro Area: 1-person $71,650; 2-person $81,850; 3-person $92,100; 4-person $102,300; 5-person $110,500; 6-person $118,700; 7-person $126,900; 8-person $135,050. | — |
| Housatonic Habitat for Humanity Homeownership ProgramDanbury · Fairfield/Litchfield | See programMinimum household income of at least $60,000 required; upper income limits applied per Habitat affordability/need criteria (not published as a table on the official site) | — |
| HouseHartford Homebuyer Assistance ProgramHartford · Hartford | 80% of area median incomeHousehold income must not exceed 80% of the Hartford Area Median Family Income (updated annually by HUD). 2025 limits: 1-person $70,950; 2-person $81,050; 3-person $91,200; 4-person $101,300; 5-person $109,450 (additional household-size steps published annually). | — |
| Lift Up HomeownershipStatewide · Statewide | 120% of area median incomeHousehold income up to 120% of HUD AMI based on the property's location; income of all adult (18+) household members is counted. | — |
| Litchfield County Affordable Homeownership Program (LC-AHP)Salisbury, Cornwall, Norfolk, Washington (scattered-site) · Litchfield | 100% of area median incomeTotal gross annual household income at or below 100% of Litchfield County AMI (approx. $93,000 for a 2-person household per 2024 HOME limits); practical floor ~60% AMI to support the mortgage | $300,000 |
| Middlesex Habitat for Humanity Homeownership ProgramCromwell · Middlesex | 80% of area median incomeHousehold income below 80% AMI for household size, per HUD guidelines | — |
| Middletown Down Payment Assistance ProgramMiddletown · Middlesex | See programLow- or moderate-income HUD limits apply; specific dollar figures confirmed by program staff at application. | — |
| Neighborhood Housing Services of New Haven - Affordable HomeownershipNew Haven · New Haven | See programTargets low- and moderate-income first-time buyers; specific income limits not published online and vary by funding source/project | — |
| New Home/New London 2 (NHNL2)New London · New London | 100% of area median incomeBelow 100% AMI qualifies for $10,000; below 80% AMI qualifies for $15,000. Income proof required for all adults residing in the home. | — |
| Norwalk Homeownership Assistance ProgramNorwalk · Fairfield | 80% of area median incomeHouseholds earning up to 80% of the Stamford-Norwalk Area Median Income (income guidelines in Attachment A). Subsidy is based on household income at the time the buyer signs the acquisition contract. | — |
| SINA Homeownership Incentive Program (HIP)Hartford · Hartford | See programNo published income limit; employment-based, criteria set per institution | — |
| SINA SAMA Homebuyer Assistance ProgramHartford · Hartford | See programNo published income limit; tied to SAMA affiliation + purchase of an eligible Cityscape Home | — |
| Southeastern Connecticut Community Land Trust - Permanently Affordable HomeownershipNew London · New London | See programHomes are sold to income-qualifying (low- to moderate-income) buyers; specific AMI thresholds not published on the official site. CLT membership is required to be eligible to purchase. | — |
| Town of Enfield First-Time Homebuyer Loan ProgramEnfield · Hartford | 80% of area median incomeHousehold income <= HUD CDBG limits (annual). 2025 Hartford County: 1=$70,950;2=$81,050;3=$91,200;4=$101,300;5=$109,450;6=$117,550;7=$125,650;8=$133,750. | — |
| Town of Fairfield First-Time Homebuyer Assistance ProgramFairfield · Fairfield | 80% of area median income2025 HUD annual income limits per household: 1p $78,750; 2p $90,000; 3p $101,250; 4p $112,500; 5p $121,500; 6p $130,500; 7p $139,900; 8p $148,500 | — |
| UpPayment Down Payment Assistance (Urban League of Greater Hartford)Hartford · Hartford | See programHousehold annual income below 500% of the federal poverty guidelines | — |
| Waterbury HOME Homebuyer Assistance ProgramWaterbury · New Haven | 80% of area median incomeHOME: household income at or below 80% of HUD Area Median Family Income for the Waterbury, CT HUD Metro FMR Area. CT DOH HUD 80% AMI (Waterbury): 1p $54,950; 2p $62,800; 3p $70,650; 4p $78,500; 5p $84,800; 6p $91,100; 7p $97,350; 8p $103,650. | — |
| Wesleyan University Employee Mortgage ProgramMiddletown · Middlesex | See programNo income limit | — |
| West Haven First-Time Homebuyer Down Payment Assistance ProgramWest Haven · New Haven | 80% of area median incomeHousehold income at or below HUD 80% AMI by size (New Haven-Milford MSA, FY2024): 1p $69,800; 2p $79,800; 3p $89,750; 4p $99,700; 5p $107,700; 6p $115,700; 7p $123,650; 8p $131,650. | — |
| Yale Homebuyer ProgramNew Haven · New Haven | See programNo income limit; employment-based | — |
Questions, answered
What are the income limits for down payment assistance in Connecticut?
47 down payment assistance programs in Connecticut publish an income limit, a purchase price cap, or both. 23 express the limit as a percentage of the area median income for the county where the home is, and 17 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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