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First Time Homebuyers

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For a quick overview of our programs and services, watch our video below.

If you are interested in any or all of HDF’s Services, including Homebuyer Counseling, Education, or Lending, HDF is here to help. Follow the simple steps below to be on your way to your homeownership goal!

STEP 1: Download our Initial Evaluation Packet and read the first page very carefully. Collect all the documentation you need for a proper assessment, including paying for a credit report. Para verlo en español, haga clic aquí.

STEP 2: Click “start your journey now” to create your customer profile and upload the necessary documents. Make sure you follow the instructions on the Initial Evaluation Packet so we can put you on the right path to homeownership.

Please call 203-969-1830 ext. 1003 or email us at FTHB@hdfconnects.org if you have any questions about this process.

Enter HDF Compass, our online customer portal.

CLASSES ONLY: If you only need to take a class for a CHFA loan application but otherwise do not require HDF’s Services, please register by emailing fthb@hdfconnects.org.

Scroll down to learn more about HDF’s Services, including HDF’s Homebuyer Counseling, in-person and online Homebuyer Education Classes, and Lending Products.



HDF’s homeownership advisers will answer your questions about where to start and work with you to chart your path to homeownership from start to finish. You’ll work one-on-one with your adviser to develop an action plan to increase savings and reduce debt, and to identify and apply for down payment assistance opportunities.

HDF’s first time homebuyer adviser services are provided completely free of charge, and they’re designed specifically to help regular people buy their first homes. For HDF’s purposes, a ‘first time homebuyer’ is someone who has not owned a home at any time over the last 3 years. Certain other restrictions may apply.


Down Payment Assistance

In addition to HDF’s free counseling, education, and guidance, first time homebuyers can also take advantage of a number of down payment and closing cost assistance programs designed to make homeownership achievable and sustainable, such as HDF’s SmartMove down payment assistance loan.

Whatever your circumstances, HDF has a second mortgage or loan to help cover your closing costs or down payment. Many of our loan products will stack, giving eligible purchasers a ‘jump-start’ toward homeownership!

Our loan products include:

Smart Move
Live Where You Work
Statewide Downpayment Assistance Program
Project Reinvest: Homeownership
Project Reinvest (formerly SmartMove New York State DAP)
Stamford HOME
Washington, CT DPA


Homebuyer Education

Homebuyer Education (HBE) classes are open to anyone in the community interested in learning more about homeownership. Whether you have already applied for a mortgage or are just beginning to consider your options, 8-hour homebuyer classes provides in-depth instruction on the steps towards homeownership.

All HDF borrowers in the First Time Homebuyer Program must complete an 8-hr Homebuyer Education Class prior to closing. These classes are mandatory for CHFA loan applicants under the Section 8 Housing Choice Voucher Homeownership Program and may be required for other loan programs as well.

HDF also offers online options through eHome America and Framework. If
your first mortgage lender has an education requirement, check to see if they
accept these online courses.

In-Person Homebuyer’s Education
Online Homebuyer Education