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HDF Live Where You Work CT

Housing Development Fund, Inc. (HDF) · Connecticut

Last verified
See what you qualify forOfficial program site →
Assistance

$25,000

The maximum the program publishes — not an offer

Repayment

Deferred

No payments until the home is sold or refinanced

What is HDF Live Where You Work CT?

HDF Live Where You Work CT is a deferred second loan for homebuyers in Connecticut, administered by Housing Development Fund, Inc. (HDF).

  • Live Where You Work CT is a Housing Development Fund (nonprofit CDFI) program offering up to $25,000 in down payment and closing-cost assistance at 0% interest to first-time homebuyers who purchase a home in the Connecticut city/town where they work. Remote work does not qualify.
  • Up to $25,000 in down payment and closing-cost assistance at 0% interest. Stackable with other HDF loan products.
  • Funding comes from Housing Development Fund (nonprofit/CDFI).

How much assistance does it provide?

HDF Live Where You Work CT offers up to $25,000 in assistance.

  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — Housing Development Fund, Inc. (HDF) determines any individual award.

Do you have to pay it back?

HDF Live Where You Work CT is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • The assistance is recorded in subordinate position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

HDF Live Where You Work CT is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Borrower must purchase a home in the same Connecticut town/city in which they work; remote work does not qualify. Must complete HDF first-time homebuyer counseling and education. Income must meet income guidelines set by town. General HDF criteria also apply: not owned a home in last 3 years; U.S. citizen/permanent resident/approved visa; no bankruptcy in last 4 years; no foreclosure in last 7 years; 30-year fixed first mortgage; at least 1% down plus fees/reserves; home inspection required.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

HDF Live Where You Work CT sets its income limit as follows: Household must be income-eligible per income guidelines set by town (see HDF 2026 LWYW income limits).

  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Where does it apply?

HDF Live Where You Work CT serves buyers purchasing anywhere in Connecticut.

  • The program gives priority to designated target areas, so the address matters as well as the county.

How do you apply?

Applications for HDF Live Where You Work CT go through Housing Development Fund, Inc. (HDF), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Housing Development Fund, Inc. (HDF) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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