CHFA Home of Your Own Program

CHFA Home of Your Own Program是面向Statewide，Connecticut购房者的第一抵押贷款，由Connecticut Housing Finance Authority (CHFA)管理。 The Home of Your Own Program offers CHFA first-mortgage loans at below-market interest rates (an additional 0.125% off the published rate, or 0.25% in a Targeted Area) to applicants who are disabled or have a disabled household member who will occupy the home. Documentation of the disability is required. Combinable with CHFA's separate DAP second mortgage. Below-market first-mortgage rate, additional 0.125% reduction (0.25% in Targeted Areas). For borrowers with a documented disability or disabled household member. Combinable with CHFA DAP and Time To Own. 资金来自CHFA bond financing。

CHFA Home of Your Own Program是第一抵押贷款，按Connecticut Housing Finance Authority (CHFA)设定的条款偿还。 该援助以First mortgage (the DAP loan, if used, is a separate second mortgage)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

CHFA Home of Your Own Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Must be a first-time buyer or not owned a home in the past 3 years; waived in a Targeted Area. May not own other property at closing. 关于信用，该项目说明：Not published on consumer materials; determined by the underlying first-mortgage product and CHFA underwriting. 须参加购房者教育课程，由Free CHFA homebuyer education class (online or in-person); at least one borrower must attend before closing. Landlord certificate required for 2-4 family.提供。 Reduced-rate CHFA FIRST MORTGAGE (0.125% off published rate; 0.25% in a Targeted Area) — the DPA piece is the separate DAP second mortgage. Requires proof of disability (SSI/DSS/DDS) for borrower or occupying household member. Min credit score, max DTI, max liquid assets, exact AMI%, and funding cap not published on consumer materials (left blank). Income/sales-price limits are shared CHFA bond limits (Form 064-0308).

CHFA Home of Your Own Program的收入限制如下：Borrower 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. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

CHFA Home of Your Own Program将房价上限设为$561,885。 符合条件的房屋类型包括Single Family、2-4 Unit、Condo、Townhouse和PUD。 新建房屋符合条件。 预制房屋不符合条件。

CHFA Home of Your Own Program在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

CHFA Home of Your Own Program服务于在Statewide，Connecticut购房的购房者。 该项目针对特定区域：CHFA federally Targeted Areas (Form 064-0308). Purchasing in a Targeted Area waives the first-time requirement, may raise income limits, and gives a 0.25% rate discount.

CHFA Home of Your Own Program的申请通过Connecticut Housing Finance Authority (CHFA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved/registered by a CHFA-Participating Lender; rate set the day the lender registers the loan.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。