CT Forever Home

CT Forever Home是面向Connecticut购房者的需偿还的第二贷款，由Housing Development Fund, Inc. (HDF)管理。 CT Forever Home is a down payment assistance program offered by the Housing Development Fund (HDF), a statewide Connecticut nonprofit CDFI and NeighborWorks chartered member. It is a fully amortizing second mortgage of up to $28,000 at a 1% interest rate (APR 1.191%) to help first-time homebuyers with down payment costs anywhere in Connecticut. It may be layered with HDF's SmartMove CT. Properties are deed-restricted for 10 years; resale within that period must be at a price affordable to other homebuyers. Borrowers must use an HDF participating lender and complete homebuyer education. Up to $28,000 in down payment assistance. Low 1% interest rate (APR 1.191%). Stackable with HDF SmartMove CT. Available statewide in Connecticut. Buyer contributes only 1% of own funds.

CT Forever Home提供最高$28,000的援助。 购房者自付部分：Applicant must have at least 1% of the purchase price, plus inspection fees, appraisal fees, one year of homeowners insurance, and reserves. 该项目可与HDF SmartMove CT (and may be layered with another mortgage product)结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Housing Development Fund, Inc. (HDF)决定。

CT Forever Home是需偿还的第二贷款，按Housing Development Fund, Inc. (HDF)设定的条款偿还。 触发还款的情形：Fully amortizing second mortgage repaid via monthly payments; balance due on sale or payoff. A 10-year deed restriction applies; if sold before the 10-year period ends, the home must be sold at a price affordable to other homebuyers. 该援助以Second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。

CT Forever Home面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：No specific minimum credit score published; applicant must have no outstanding collections, charge-offs, or current past-due accounts (or paid prior to applying). No bankruptcy in the last 4 years (from discharge); no foreclosure in the last 7 years. 须参加购房者教育课程，由HUD-approved agency, or online via eHome (ehomeamerica.org/HDF) or Finally Home; a landlord training class is also required when buying a multi-family home.提供。 公民身份或移民身份：U.S. citizen, U.S. permanent resident (green card), or holder of an approved visa from HDF's acceptable-visa list. Verified active as of December 2025 (program page last modified 2025-12-03); flyer states available for a limited time. First mortgage must be a 30-year fixed-rate loan from an HDF participating lender; no cash back at closing; recommended ratios 37%/45%. An aggregator claim (CHFA first mortgage + $1,000 minimum) was NOT used because HDF's own materials contradict it.

CT Forever Home的收入限制如下：HDF 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). 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。

CT Forever Home的房价上限如下：A sales price limit applies; the specific limit was not published on HDF's primary sources reviewed. 符合条件的房屋类型包括Single Family、Condominium、Multi-Family (2-4 units)、PUD和Manufactured (if affixed to foundation)。 预制房屋符合条件。

CT Forever Home服务于在Connecticut任何地方购房的购房者。

CT Forever Home的申请通过Housing Development Fund, Inc. (HDF)办理，该机构在其网站上公布现行条款和申请步骤。 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。