Residential Lending

First-Time Homebuyer Guide

Our free first-time homebuyer education and counseling services, along with our downpayment assistance programs, can make buying your first home affordable. We will be there every step of the way to help you buy your new home!

To be eligible for HDF’s downpayment assistance programs, you must meet certain eligibility criteria. Complete the questionnaire to find out if you may be eligible for one of our unique lending products:

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 $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.

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
Fairfield County Bank
First County Bank
Ion Bank

Liberty Bank
M&T Bank
Norcom Mortgage
Patriot Bank
Savings Bank of Danbury

Signature Bank
Thomaston Savings Bank
Union Savings Bank
Webster Bank

Ready to start the homebuying process?

Create an HDF Portal Account

New Client Registration

Check Eligibilty

Not sure where to start? Contact us today.

“HDF was a pleasure to work with. They are very educated with their services and the ability to assist people achieve their
dreams of being a homeowner.”

HDF Client —