Down Payment Assistance

The Town of Hamden Office of Housing and Neighborhood Development offers applications for a First-Time Homebuyer Down Payment Assistance Loan. The program is designed to assist low and moderate income first-time homebuyers with the purchase of their first home. Qualified applicants can receive up to $5,000 in matching funds to help with their down payment .

The home must be purchase in one of the three (3) designated target areas. Census Tract #1655 - Highwood, Census Tract # 1656 - Hamden Plains, and the State Street Neighborhood Revitalization Zone. A listing of specific street is included with the application. View income limitations below.

Income Limits for 2020

Household Size:

1 person

2 person

3 person

4 person

5 person

6 person

7 person

8 person

Maximum

Adjusted Gross Income (AGI)


$54,950


$62,800


$70,650


$78,500


$84,800


$91,100


$97,350


$103,650


Down Payment Assistance Applications and Documents

  1. First-Time Homeownership Downpayment Assistance Application
  2. Policies and Procedures for First-Time Homebuyer/Down-Payment Assistance Program

Frequently Asked Questions about the Downpayment Assistance Program

Q: Is this a grant or a loan? Will I have to pay any money back?

A: Financial assistance for all programs is an interest-free loan. There are no monthly payments. The loan is required to be repaid upon sale or transfer of property or in the case of a refinance. 

 Q: Will the Office of Housing and Neighborhood Development help me find a home?

A: No, you will need to contact a real estate agent to assist in finding a home. If you do not already have a real estate agent, your mortgage lender may be able to recommend one.

 Q: Can I purchase any type of home?

A: To qualify for the program you must purchase a detached single family or two to four-family dwelling. Investment properties are not eligible for assistance.

 Q: Do I need to be a Hamden resident to apply?

A: No, but you must purchase a property within the Target Area.


For more information please call Salvatore McClain, Program Assistant: (203)-562-5129 ext.1121

Applications can be submitted by:

  • Mail to Community Development Department; 11 Pine Street, Hamden CT 06514
  • Fax: 203-562-9947
  • Email: smcclain@Hamden.com