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 25% of the purchase price.
Live Where
You Work CT
Up to $25,000 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.
**NEW** CT Forever Home
Up to $28,000 in 1% downpayment assistance for first-time homebuyers purchasing homes in Connecticut. There is a 10-year affordability period associated with this program. For more information click the button above to access the program flyer.
Local Downpayment
Assistance Programs
Additional loan programs are available to people buying in specific towns and cities (amounts and terms vary).
SmartMove Lending Partners
CT Community Bank
Citibank
CMG
Fairfield County Bank
First County Bank
Ion Bank
Liberty Bank
M&T Bank
Patriot Bank
Thomaston Savings Bank
Union Savings Bank
Webster Bank
