CHFA Rehabilitation Loan Program

Connecticut Housing Finance Authority

Available Home Repair

About This Program

Low-interest home repair and rehabilitation loans for Connecticut homeowners. Rates starting at 3% APR for income-qualified borrowers. Can be combined with CHFA first mortgage or used as standalone rehabilitation financing.

Interest rate varies by income, typically 3-5% APR for 10-15 year term

Official program page checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest loans up to $50,000
  • Rates as low as 3% APR for qualifying borrowers
  • Income limits apply (varies by household size)
  • Can combine with other CHFA programs
  • Terms up to 15 years

How to Apply

Get free help applying Visit Official Program Page Track this program

(860) 571-3502

A grant-savvy contractor in Vernon, CT can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Vernon early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications

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