Enfield First-Time Homebuyer Loan Program
Funding status: Active
How much assistance
Up to $10,000 (Forgivable Loan)
10% of the loan is forgiven each year over a 10-year period, provided the applicant owns and resides in the home and is not delinquent on any mortgage, tax, or town sewer usage fee payments.
Eligibility
- Income limits: Must not exceed federal HUD income limits for Hartford County (updated annually)
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Geographic restrictions: Must purchase a home in the Town of Enfield.
- Homebuyer education required: Yes
How to Apply for Enfield First-Time Homebuyer Loan Program
Step 1: Contact the Town of Enfield Office of Economic & Community Development to request an application. Applications are reviewed by the Loan Review Committee, which can take 30-60 days. If approved, funds are reserved for 90 days or until the closing date.
Notes
Funded through CDBG. Funds may be used towards up to 50% of the down payment and/or up to 100% of reasonable closing costs. Guidelines revised June 2025.