Downpayment & Closing
Costs Assistance
In addition to providing free counseling, we offer stackable loan products for first-time homebuyers. That means you can participate in multiple downpayment and closing costs programs at once. View our available loan products below to discover how we can help make homeownership affordable and sustainable for you!
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Our Loan Programs
SmartMove CT
Low-interest downpayment assistance for first-time homebuyers in Connecticut for up to 25% of purchase price when used for a downpayment and qualified closing costs.
SmartMove NY
Low-interest downpayment assistance for New York first-time homebuyers for up to 20% of the purchase price.
Live Where
You Work CT
Up to $20,000 in 0% downpayment assistance for first-time homebuyers purchasing homes in the city where they work.
Homeownership Equity Fund
Up to $20,000 in 0% downpayment assistance for BIPOC (Black Indigenous People of Color) first-time homebuyers purchasing homes in Connecticut.
Local Downpayment
Assistance Programs
Additional loan programs are available to people buying in specific towns and cities (amounts and terms vary).
