HDF can help you buy your first home with our downpayment and closing cost assistance programs.

To be eligible For HDF’s downpayment assistance programs, you must meet HDF’s eligibility criteria and must use an HDF participating lender.

Eligibility Criteria:

The applicant, co-applicants, and non-borrowing spouses must NOT have owned a home in the last 3 years.

You have NOT had a bankruptcy in the last 4 years.

You have NOT had a foreclosure in the last 7 years.

You DO NOT have any knowledge of collections, charge-offs or current past-due accounts on my/our credit report.

You are prepared to purchase a home in the next 12 months and will have:

1. Funds available to put down at least 1% of the purchase price, pre-closing costs, and emergency reserves
2. Steady work history for the past 2 years in the same industry
3. On-time bill payments on all accounts
4. You must be a U.S. citizen or permanent resident or have an approved  visa. View our list of acceptable visas
5. Your household income cannot exceed HDF’s income guidelines.
6. Please review the Income Limits for counties in SmartMove Connecticut, SmartMove New York, and our other programs in both New York and Connecticut.

If you ready to continue, your next step is to create your account in our online portal.

If any of the above statements are false, HDF is not currently your best option.

View our resources below and come back when you are ready.