See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 2, 2026
Homebuyer Programs in Southington, CT (2026)
Southington is a desirable Hartford County town of approximately 43,700 residents known for its excellent schools, apple orchards, and convenient location between Hartford and New Haven along the I-84 corridor. With a median home price around $427,000, Southington is one of the more competitive markets in central Connecticut. While the town does not currently administer its own city-funded down payment assistance, buyers benefit from strong state programs through the Connecticut Housing Finance Authority (CHFA), including the Time To Own forgivable loan offering up to $50,000 and the CHFA DAP providing $3,000 to $15,000. The Housing Development Fund (HDF) adds further options with SmartMove (up to 25% of purchase price), CT Forever (up to $28,000), and Live Where You Work (up to $25,000 at 0% interest for those who work in Southington). Habitat for Humanity of North Central Connecticut serves the area, and NACA offers a no-down-payment mortgage. By stacking state and nonprofit programs, Southington buyers can significantly reduce their out-of-pocket costs.
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 → |
- 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
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 → |
- 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:
- 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
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity of North Central Connecticut Homeownership Program | Zero-Interest Loan | No down payment required; 0% interest mortgage | Yes | View → |
| NACA Purchase Program (Hartford CT) | Zero-Interest Loan | No down payment required; no closing costs; no fees; no PMI | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- No down payment required; 0% interest mortgage
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- No down payment required; no closing costs; no fees; no PMI
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Most Connecticut state programs require household income at or below 80% of the area median income. Review CHFA's income and purchase price limits for the Hartford County area before applying.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most programs. Community Renewal Team (CRT) offers HUD-certified courses serving the greater Hartford area including Southington. Contact CRT at (860) 560-5600. The Housing Development Fund (HDF) also offers free first-time homebuyer education classes.
Step 3: Contact the Housing Development Fund (HDF). HDF is a HUD-approved counseling agency, CDFI, and NeighborWorks charter member offering multiple down payment assistance loan programs including SmartMove, Live Where You Work, and CT Forever. Call (203) 338-4600 to determine which programs you qualify for.
Step 4: Get pre-approved for a CHFA first mortgage. To access the Time To Own and DAP programs, you must qualify for a CHFA first mortgage through a CHFA-approved lender. Contact the CHFA Homeownership Department at (860) 571-3541 or email sfaminquiry@chfa.org.
Step 5: Explore nonprofit options. Habitat for Humanity of North Central Connecticut serves the Southington area and builds affordable homes with 0% interest mortgages. Contact them to learn about upcoming builds and the application process. NACA also serves Connecticut with a no-down-payment, no-closing-cost mortgage program.
Step 6: Find a home within program guidelines. Each program has specific property requirements and purchase price limits that are updated annually. Ensure the home you select meets all applicable standards.
Step 7: Submit your applications and close. Work with your lender and housing counselor to submit all required program applications. Allow 60 to 90 days from pre-approval to closing.
Frequently Asked Questions
How much down payment assistance can I get in Southington?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay using these programs?+−
What homebuyer education is required?+−
Does Southington have its own town-funded homebuyer program?+−
What are the estimated closing costs in Southington?+−
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