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By Tyler Thompson · Licensed Real Estate Agent · Updated April 2, 2026

Homebuyer Programs in Enfield, CT (2026)

Population: 41,400 | Median home price: $330,000 | Est. closing costs: $6,500 - $10,000

Enfield is a town of approximately 41,400 residents in Hartford County, Connecticut, located along the Connecticut-Massachusetts border just north of Hartford. With a median home price around $330,000, Enfield offers more affordable homeownership compared to many Connecticut communities. The Town of Enfield runs its own First-Time Homebuyer Loan Program, providing up to $10,000 in forgivable assistance funded through CDBG. State programs add significantly more support: the CHFA Time To Own offers up to $50,000 in forgivable down payment assistance, the CHFA DAP provides up to $15,000, and the Housing Development Fund offers layerable products including SmartMove (up to 25% of purchase price), Forever Home (up to $28,000), and Live Where You Work (up to $25,000 at 0% interest). By combining Enfield's local program with state assistance, qualified first-time buyers could access well over $50,000 toward their home purchase.

City Programs in Enfield

Program Name	Type	Amount	First-Time Only	Details
Enfield First-Time Homebuyer Loan Program	Forgivable Loan	Up to $10,000	Yes	View →

Enfield First-Time Homebuyer Loan Program

Type:: Forgivable Loan
Amount:: Up to $10,000
First-time only:: Yes

State Programs in Connecticut

Program Name	Type	Amount	First-Time Only	Details
CHFA Down Payment Assistance Program (DAP)	Repayable Loan	$3,000 to $15,000	Yes	View →
CHFA Time To Own Forgivable Down Payment Assistance	Forgivable Loan	Up to $50,000 in high-opportunity areas; up to $25,000 in other areas	Yes	View →
HDF CT Forever Down Payment Assistance	Repayable Loan	Up to $28,000	Yes	View →
HDF Live Where You Work	Zero-Interest Loan	Up to $25,000	Yes	View →
HDF SmartMove Connecticut	Repayable Loan	Up to 25% of the purchase price	Yes	View →

CHFA Down Payment Assistance Program (DAP)

Type:: Repayable Loan
Amount:: $3,000 to $15,000
First-time only:: Yes

CHFA Time To Own Forgivable Down Payment Assistance

Type:: Forgivable Loan
Amount:: Up to $50,000 in high-opportunity areas; up to $25,000 in other areas
First-time only:: Yes

HDF CT Forever Down Payment Assistance

Type:: Repayable Loan
Amount:: Up to $28,000
First-time only:: Yes

HDF Live Where You Work

Type:: Zero-Interest Loan
Amount:: Up to $25,000
First-time only:: Yes

HDF SmartMove Connecticut

Type:: Repayable Loan
Amount:: Up to 25% of the purchase price
First-time only:: Yes

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

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13 programs available in Enfield. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. The Enfield First-Time Homebuyer Loan Program requires household income within HUD limits for Hartford County. You must not have owned a home in the past three years.

Step 2: Complete homebuyer education. A certificate of participation from an approved homebuyer counseling program is required. Community Renewal Team (CRT) offers HUD-approved pre-purchase education workshops and counseling for Hartford County residents. Contact CRT at 860-761-2381.

Step 3: Apply to the Enfield First-Time Homebuyer Loan Program. Contact the Town of Enfield Office of Economic and Community Development to request an application. The Loan Review Committee takes 30-60 days to process applications.

Step 4: Get pre-approved with a CHFA-approved lender. To access the CHFA Down Payment Assistance Program and Time To Own, you must work with a participating CHFA lender. Visit the CHFA website or call 1-844-CT1-HOME (1-844-281-4663) for the approved lender list.

Step 5: Explore additional HDF programs. Contact the Housing Development Fund at 203-338-8610 to see if you qualify for SmartMove, Forever Home, or Live Where You Work on top of the Enfield and CHFA programs.

Step 6: Find a home in Enfield within program limits. The Enfield program requires the home to be located within town boundaries. CHFA programs have purchase price limits that vary by county.

Step 7: Close on your home. If approved for the Enfield program, funds are reserved for 90 days or until your closing date. Your lender will coordinate the CHFA first mortgage and any DPA second mortgages simultaneously.

Frequently Asked Questions

How much down payment assistance can I get in Enfield?+

Enfield buyers can stack multiple programs. The Town of Enfield First-Time Homebuyer Loan Program provides up to $10,000 as a forgivable loan. The CHFA Time To Own offers up to $50,000 in forgivable assistance, and the CHFA DAP provides up to $15,000 as a low-interest second mortgage. The Housing Development Fund adds SmartMove (up to 25% of purchase price), Forever Home (up to $28,000 at 1% interest), and Live Where You Work (up to $25,000 at 0% interest). Qualified buyers could combine these for well over $50,000 in total assistance.

Do I have to be a first-time homebuyer to qualify?+

The Enfield First-Time Homebuyer Loan Program requires first-time buyer status, defined as not having owned a home in the past three years. The CHFA DAP and Time To Own programs also generally require first-time buyer status, though some CHFA programs waive this for purchases in targeted areas or for veterans.

What is the maximum home price I can pay using these programs?+

The Enfield program does not specify a maximum purchase price, but your household income must fall within HUD income limits for Hartford County. CHFA programs have purchase price limits that vary by county and are updated periodically. Contact a CHFA-approved lender for current Enfield-area limits.

What homebuyer education is required?+

The Enfield program requires a certificate of participation from an approved homebuyer counseling program. Community Renewal Team (CRT) provides HUD-approved pre-purchase education workshops for Hartford County residents and can be reached at 860-761-2381. CHFA programs also require completion of homebuyer education before closing.

How does the Enfield forgivable loan work?+

The Enfield First-Time Homebuyer Loan Program provides up to $10,000 as a zero-interest second mortgage. For properties in the target area, 10% of the loan is forgiven each year over 10 years. To maintain forgiveness, you must own and live in the home and stay current on your mortgage, property taxes, and town sewer fees for the full 10-year period. If you sell, refinance, or move before the loan is fully forgiven, the remaining balance is due.

How long does the Enfield program application take?+

Applications are reviewed by the Loan Review Committee, which typically takes 30 to 60 days for a final determination. If approved, funds are reserved for 90 days or until your scheduled closing date. Plan to apply well in advance of your expected closing.

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