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Litchfield County Affordable Homeownership Program (LC-AHP)

Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective) · Salisbury, Cornwall, Norfolk, Washington (scattered-site), Connecticut

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See what you qualify forOfficial program site →
Assistance

$25,000

The maximum the program publishes — not an offer

Income limit

100% AMI

Of area median income; varies by county and household size

Price cap

$300,000

Highest purchase price the program allows

Repayment

Shared appreciation

Settled on the terms set by Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective)

What is Litchfield County Affordable Homeownership Program (LC-AHP)?

Litchfield County Affordable Homeownership Program (LC-AHP) is a shared-appreciation loan for homebuyers in Salisbury, Cornwall, Norfolk, Washington (scattered-site), Connecticut, administered by Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective).

  • A shared-equity / community land trust homeownership program coordinated by the Litchfield County Center for Housing Opportunity that built 10 new 3-bedroom homes on scattered sites in five Litchfield County towns. Homes are sold to income-eligible first-time buyers (at or below 100% county AMI) for $250,000-$300,000, a price that includes an embedded ~$25,000 forgivable down payment assistance loan. The land is owned by a local housing nonprofit and leased to the homeowner under a long-term ground lease with a resale formula.
  • Brand-new energy-efficient 3BR home well below market.
  • Embedded ~$25,000 forgivable DPA.
  • Long-term affordability.
  • Reduced property tax.
  • Funding comes from Connecticut Department of Housing, plus town and nonprofit contributions; construction loans by Capital for Change.

How much assistance does it provide?

Litchfield County Affordable Homeownership Program (LC-AHP) offers up to $25,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective) determines any individual award.

Do you have to pay it back?

Litchfield County Affordable Homeownership Program (LC-AHP) is a shared-appreciation loan and is repaid under the terms set by Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective).

  • Repayment is triggered by Resale governed by ground-lease resale formula; home must be resold at a price affordable to a household at/below 100% AMI.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Litchfield County Affordable Homeownership Program (LC-AHP) is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: First-time buyer = no household member has had ownership interest in a principal residence during the past 3 years
  • The home is occupied as a primary residence
  • On credit: Not published; applicant must pre-qualify for a mortgage of at least $200,000
  • Active but nearly fully subscribed: as of source, only 1 home remains (16 Dark Entry Road, Cornwall), completing June 2026. Must submit a mortgage pre-qualification letter with the pre-application. Selection by lottery if multiple eligible applicants. Embedded DPA forgiveness/lien details not published - confirm via sample ground lease.

The program excludes

  • Manufactured homes
  • Purchases above the $300,000 price cap
  • Households above 100% of area median income

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?

Litchfield County Affordable Homeownership Program (LC-AHP) limits household income to 100% of the area median income, which varies by county and household size.

  • Total 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.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Litchfield County Affordable Homeownership Program (LC-AHP) caps the purchase price at $300,000.

  • Eligible property types include Single Family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Litchfield County Affordable Homeownership Program (LC-AHP) serves buyers purchasing in Salisbury, Cornwall, Norfolk, Washington (scattered-site), Connecticut.

  • The program targets specific areas: Specific scattered-site addresses in Salisbury, Cornwall, Norfolk and Washington, CT (Litchfield County).
  • Targeted neighborhoods: Salisbury, Cornwall, Norfolk, Washington (CT).

How do you apply?

Applications for Litchfield County Affordable Homeownership Program (LC-AHP) go through Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective), which publishes the current terms and the application steps on its own site.

  1. Contact Litchfield County Center for Housing Opportunity (LCCHO, a program of The Housing Collective) to reserve funds

    Funds are reserved through Pre-application then full application; if multiple eligible households want the same home, selection is by lottery, and are subject to availability.

  2. 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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