本页面由机器翻译。英文版本为原文。
该项目要求
- 首次购房者——有例外：Not required to be first-time homebuyer if purchasing in a Targeted Area; may not own any other property at closing
- 房屋作为主要住所自住
- 关于信用：Per FHA 203(k) or conventional underwriting standards
- 完成购房者教育课程，由Free CHFA Homebuyer Education class required prior to closing提供
- 居住要求：Home must become primary residence no later than one year from closing; property in Connecticut
- Requires construction contract with state-licensed general contractor. Home must become primary residence within one year of closing. Verified active on CHFA Homebuyer Mortgage Interest Rates page, June 2026.
- 位于Connecticut的房屋
不适用于
- 预制房屋
- 新建房屋
- 超过$750,000房价上限的购房
- 收入超过$174,440的家庭
这些是项目自己公布的规则，并非对任何个人的决定——实际谁符合条件由管理机构和贷款机构决定。
适用地区
Connecticut的房屋Connecticut的房屋，以及本项目接受的房屋
- 58.6% 独栋独栋住宅
- 6.5% 联排联排别墅
- 15.6% 2–4个单元2–4个单元
- 18.6% 5+个单元公寓和共管公寓楼（5+个单元）
- 0.7% 活动房屋及其他活动房屋及其他
勾选标记表示项目记录中列出的房屋类型。具体到您选择的房屋，由机构确认。
$366,900
Connecticut房屋价值中位数
67.2%
建于1980年之前
美国人口普查局（U.S. Census Bureau），ACS 2024 5年期。
如何申请
如何申请三个步骤，按此顺序
参加购房者教育课程
项目要求，由Free CHFA Homebuyer Education class required prior to closing提供。
联系Connecticut Housing Finance Authority (CHFA)预留资金
资金通过Reserved/locked by CHFA Participating Renovation Loan lender via CHFA LOS预留，视资金情况而定。
与办理该项目的贷款机构合作
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。
关于本项目的问题
CHFA Renovation Loan Programs是什么？
CHFA Renovation Loan Programs是面向Connecticut购房者的第一抵押贷款，由Connecticut Housing Finance Authority (CHFA)管理。 CHFA's Renovation Loan Programs (a pilot) let first-time homebuyers finance the purchase price and the cost of renovations in a single below-market-rate mortgage, with FHA 203(k) Limited/Standard and Conventional options. The program can also finance abandoned or foreclosed properties, with renovation funds held in escrow and disbursed to a licensed contractor. Purchase + renovation costs in one mortgage. Below-market interest rate. FHA 203(k) and Conventional options. Can finance abandoned/foreclosed homes. No origination fee. 资金来自CHFA bond proceeds (pilot program)。
需要偿还吗？
CHFA Renovation Loan Programs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。
谁符合条件？
CHFA Renovation Loan Programs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：Not required to be first-time homebuyer if purchasing in a Targeted Area; may not own any other property at closing。 关于信用，该项目说明：Per FHA 203(k) or conventional underwriting standards。 须参加购房者教育课程，由Free CHFA Homebuyer Education class required prior to closing提供。 居住要求：Home must become primary residence no later than one year from closing; property in Connecticut。 Requires construction contract with state-licensed general contractor. Home must become primary residence within one year of closing. Verified active on CHFA Homebuyer Mortgage Interest Rates page, June 2026.
收入限制是多少？
CHFA Renovation Loan Programs将家庭收入限制在$174,440。 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。
可用于哪类房屋？
CHFA Renovation Loan Programs将房价上限设为$750,000。 符合条件的房屋类型包括Single Family、Condo和2-4 Unit。 新建房屋不符合条件。 预制房屋不符合条件。
适用于哪些地区？
CHFA Renovation Loan Programs服务于在Connecticut任何地方购房的购房者。 该项目针对特定区域：0.25% rate discount and waiver of first-time buyer requirement in federally Targeted Areas。
如何申请？
CHFA Renovation Loan Programs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/locked by CHFA Participating Renovation Loan lender via CHFA LOS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。
同样面向Connecticut购房者面向Connecticut购房者的其他项目
- CHFA Mobile Manufactured Home Loan Program最高$150,000
- Lift Up Homeownership最高$50,000
- FHLBank Boston Equity Builder Program (EBP) - Connecticut最高$32,099
两个项目能否结合使用，由各机构决定。申请前请先询问。
Connecticut的全部79个项目项目条款由Connecticut Housing Finance Authority (CHFA)设定，并可能变化；申请前请在官方网站上确认。