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Lending Products

HDF provides a myriad of financial products and services designed to assist households with downpayment and other fees on their first home, to help developers build and/or renovate affordable housing units, and to create partnerships to encourage affordable housing development and homeownership.

  • For Homebuyers
  • HDF offers a variety of downpayment assistance products to help low- and moderate-income households achieve first-time homeownership. We offer loans such as our SmartMove Homeownership Program and our Live Where You Work (LWYW) Fund.

  • For Developers
  • Our $43.8 million Multifamily Loan Fund, funded by 18 banks, aids developers of affordable housing. Since its inception in 1989, HDF has financed the construction and preservation of over 1,000 high-quality homes in its service area.

  • For Homeowners Seeking Energy Upgrades
  • Cozy Home Loan opens the door for homeowners looking to take control of their energy costs. This easy to access payment plan helps you complete home energy improvements, saving you money on your monthly utility bills.

  • Refinancing For Existing Clients
  • For those who have a SmartMove second mortgage loan and are looking to refinance their existing first mortgage.

  • For Potential Landlords (LEAP)
  • (Currently in development) A brand-new program aimed at creating a new class of “Landlord Entrepreneurs” that will revitalize Connecticut cities with high foreclosure rates.

  • Affordable Homes for Sale
  • View our beautiful and affordable properties currently for sale in Stamford, Norwalk, Danbury, New Haven, and Bridgeport.




“If not for HDF, this experience of purchasing a home would not have happened at this time. The entire process was painless and fast.”– Lauren Mihaylo, new homeowner in Newtown, CT

“Love the process! Yes I would recommend to others. :)”– S.B., new homeowner in Brookfield, CT

Contact Us

Housing Development Fund, Inc.
100 Prospect Street, Suite 100
Stamford, CT 06901-1696
P 203.969.1830
F 203.323.8958
E info@hdf-ct.org