See programs you qualify for
Get Matched Free →Homebuyer Programs in Fairfield, CT (2026)
Fairfield is an affluent coastal town in Fairfield County, Connecticut, known for its excellent schools, beaches along Long Island Sound, and convenient commuter access to New York City. With a median home price around $800,000, Fairfield is a competitive market where assistance programs can make a real difference. The Town of Fairfield offers one of the strongest local homebuyer programs in the state through its Homeownership Assistance Program, providing up to $30,000 in down payment assistance as a zero-interest deferred loan plus up to $2,500 in closing costs as an outright grant. On top of that, Connecticut state programs add substantial support: the CHFA Time To Own program offers up to $50,000 in forgivable assistance for homes in high-opportunity areas, HDF CT Forever provides up to $28,000 at 1% interest, and HDF SmartMove can cover up to 25% of the purchase price. Habitat for Humanity of Coastal Fairfield County also builds affordable homes in the area. By stacking the town program with state and federal options, eligible Fairfield buyers can significantly reduce their upfront costs.
Top Homebuyer Programs in Fairfield
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Fairfield Homeownership Assistance Program | Zero-Interest Loan | Up to $30,000 down payment assistance plus up to $2,500 closing cost grant | Yes | View → |
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| Habitat for Humanity of Coastal Fairfield County Homeownership Program | Zero-Interest Loan | No down payment required; 0% interest 30-year mortgage | Yes | View → |
| 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 → |
- Type:
- Zero-Interest Loan
- Amount:
- Up to $30,000 down payment assistance plus up to $2,500 closing cost grant
- First-time only:
- Yes
- 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
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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
- Type:
- Zero-Interest Loan
- Amount:
- No down payment required; 0% interest 30-year mortgage
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- $3,000 to $15,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $50,000 in high-opportunity areas; up to $25,000 in other areas
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- Up to $28,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to $25,000
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- Up to 25% of the purchase price
- First-time only:
- Yes
How to Apply
- Step 1:
Check your eligibility. The Fairfield Homeownership Assistance Program requires household income at or below specific limits (for example, $65,700 for a 4-person household). You must be a first-time homebuyer, meaning no ownership interest in a residential property in the past three years.
- Step 2:
Complete homebuyer education. The town program requires completion of a HUD-certified first-time homebuyer counseling program. The Housing Development Fund (HDF), headquartered in nearby Stamford, offers free first-time homebuyer classes and is a HUD-approved counseling agency.
- Step 3:
Contact the Town of Fairfield Office of Community and Economic Development at 203-256-3120 or email shine@fairfieldct.org to request an application for the Homeownership Assistance Program. They will walk you through the documentation requirements.
- Step 4:
Get pre-approved for a mortgage. If you plan to also use CHFA programs like Time To Own or DAP, you must work with a CHFA-approved lender. Call CHFA's homeownership hotline at 1-844-281-4663 for a list of approved lenders serving the Fairfield area.
- Step 5:
Find an eligible home. The town program covers owner-occupied single-family, two-family, or condominium units located in Fairfield. State programs may have additional purchase price limits for Fairfield County.
- Step 6:
Submit your applications. Apply for the town program through the Office of Community and Economic Development. State programs like Time To Own and DAP are applied for through your CHFA-approved lender. HDF programs are applied for directly through HDF. Allow 30-60 days for processing.