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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.


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.

Our $37.9 million Multifamily Loan Fund, funded by 11 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.

Shore Up CT is a state of Connecticut funded low-interest loan program which provides financing for property owners in coastal municipalities located in Flood Zones VE or AE to finance or refinance property elevations. Additional retrofitting for flood protection can also be financed.

For those who are looking to refinance their existing first mortgage and need a subordination.

(Now available) A brand-new program aimed at creating a new class of “Landlord Entrepreneurs” that will revitalize Connecticut cities with high foreclosure rates.

View some beautiful and affordable properties currently for sale. As developers contact us, we update this list. If you are looking for rental properties, you may sign up for our email list here.





“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