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Connecticut program

CHFA Downpayment Assistance Program (DAP)

Connecticut route through Connecticut Housing Finance Authority. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Low-interest second mortgage Check official rules 2026-04-23
Agency Connecticut Housing Finance Authority
Support type Low-interest second mortgage
Amount highlight Current CHFA materials describe DAP as a second mortgage that can cover down payment and closing costs, with loan amounts equal to 4% of the lesser of the sales price or appraised value, subject to a current maximum of $15,000 and a minimum of $3,000.
Last verified 2026-04-23

Use carefully

Amount uses layered caps, not one flat formula

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

DAP is live and detail-safe, but the public page should preserve all three guardrails: the 4% sizing rule, the current $15,000 maximum, and the minimum-down-payment need tied to the first mortgage file.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Connecticut program hub if you need the wider state context.

Amount

Current CHFA materials describe DAP as a second mortgage that can cover down payment and closing costs, with loan amounts equal to 4% of the lesser of the sales price or appraised value, subject to a current maximum of $15,000 and a minimum of $3,000.

Type

Low-interest second mortgage

Repayment

The public DAP page describes a low-interest second mortgage rather than a grant or forgivable lien. Current CHFA materials say the DAP rate equals the CHFA first-mortgage rate in effect or 5.00%, whichever is less, but the consumer page does not publish one clean amortization term, so the safest public reading is a repayable CHFA second mortgage whose exact term should be confirmed with the participating lender.

First-time buyer

Varies

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Connecticut buyers who first qualify for a CHFA first mortgage, Borrowers who can repay both the CHFA first mortgage and the DAP loan, Homebuyers using a CHFA participating lender, Buyers completing CHFA homebuyer education before closing

What support do you get?

Current CHFA materials describe DAP as a second mortgage that can cover down payment and closing costs, with loan amounts equal to 4% of the lesser of the sales price or appraised value, subject to a current maximum of $15,000 and a minimum of $3,000.

Do you repay it?

The public DAP page describes a low-interest second mortgage rather than a grant or forgivable lien. Current CHFA materials say the DAP rate equals the CHFA first-mortgage rate in effect or 5.00%, whichever is less, but the consumer page does not publish one clean amortization term, so the safest public reading is a repayable CHFA second mortgage whose exact term should be confirmed with the participating lender.

How do you apply?

First qualify for a CHFA first mortgage through a CHFA participating lender, complete CHFA homebuyer education before closing, document the ability to repay both loans, and let the lender size the DAP second mortgage under the current 4%-with-cap rules.

Official source evidence

The current CHFA DAP page says DAP is a second mortgage that can finance down payment and closing costs, currently goes up to $15,000, uses a 4% sizing rule, requires a CHFA first mortgage and homebuyer education, and carries a low-interest repayable structure rather than grant language.

View official source

Last verified

2026-04-23

current CHFA DAP page and current DAP dashboard verified 2026-04-23

Paid preview

What paid access adds for CHFA Downpayment Assistance Program (DAP)

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

CHFA Downpayment Assistance Program (DAP)

Amount: Current CHFA materials describe DAP as a second mortgage that can cover down payment and closing costs, with loan amounts equal to 4% of the lesser of the sales price or appraised value, subject to a current maximum of $15,000 and a minimum of $3,000.

Repayment: The public DAP page describes a low-interest second mortgage rather than a grant or forgivable lien. Current CHFA materials say the DAP rate equals the CHFA first-mortgage rate in effect or 5.00%, whichever is less, but the consumer page does not publish one clean amortization term, so the safest public reading is a repayable CHFA second mortgage whose exact term should be confirmed with the participating lender.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • CHFA Downpayment Assistance Program (DAP) requires a participating lender.
  • CHFA Downpayment Assistance Program (DAP) must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate CHFA Downpayment Assistance Program (DAP) for this household and loan setup?
  • Which first-mortgage product must be paired with CHFA Downpayment Assistance Program (DAP), and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official CHFA DAP page for CHFA Downpayment Assistance Program (DAP)
  • Ask whether your lender is approved for this exact program and loan structure.
Open the full Connecticut board

Paid research preview

What paid research already covers in Connecticut

Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Connecticut.

5 tracked deeper records

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

2 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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Risk and lender prep

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