Firefighters Homeownership Program

CHFA is proud to offer an additional 0.125% off the already below-market interest rate loan to help Firefighters purchase homes in the participating communities where they work.


  • Reduced below-market rate loan
  • No asset limit requirements
  • Downpayment Assistance Program loan available

Eligible Properties

  • Existing – Single Family
  • New Construction – (Statewide Single Family / 2 unit eligible in Targeted Areas only)
  • 2 – 4 units (existing & occupied as residential for the past 5 years)
  • Condominiums (FNMA & FHA approved – Includes 2-4 unit projects)
  • Townhomes
  • PUD’s (FNMA & FHA approved)

Eligibility Requirements

  • You must be a municipal Firefighter buying a home in the participating city or town where you work or buying in any participating town.
  • You must be a first-time homebuyer or have not owned a home in the past three years.
  • The home must be your primary residence. Investment or vacation properties are not allowed.
  • The sales price of the home must be within the CHFA Sales Price Limits, and your gross income must be within the CHFA Income Limits.

The following municipalities participate in this program:

Bloomfield Manchester Norwich**
Bridgeport* Meriden** Putnam
Cheshire Milford Stamford**
Danbury** New Britain** Stratford
East Haven New Haven* Waterbury*
Enfield New London* West Hartford
Hamden New Milford Woodbridge
Hartford* Norwalk**

*Targeted Areas
**Certain portions are targeted areas

If your town does not participate, please call us and we will work with CHFA to help with your town on participating in the program.  In addition, some municipalities offer grants to cover closing costs.  Firefighters are encouraged to check with their city or town.

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