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Program Requirements

MAXIMUM HOUSEHOLD INCOME
NASSAU/SUFFOLK COUNTY: $105,100
WESTCHESTER COUNTY: $83,000

(Income Limits subject to change - Westchester max varies by family size - displayed above for family of 4)

FIRST MORTGAGE
Must be provided by Citibank, People's United Bank, or Webster Bank

PROPERTY ELIGIBILITY
Single family detached, 2-4 units, or condos. Property must be owner occupied

HOMEBUYER EDUCATION REQUIREMENTS
Homebuyer counseling and education is required from HUD-approved counseling agency prior to closing.


(203) 969-1830 x33
info@hdf-ct.org

SmartMoveCT

Down Payment Assistance Loans
from HDF Connects

High housing costs can make it hard for first time homebuyers to save for a down payment. SmartMove loans help bring total payments in line with a family's budget by offering a second mortgage at a low fixed rate. When combined with a first mortgage that meets industry standards for sound lending, borrowers avoid paying for mortgage insurance and can save thousands of dollars over the life of the loan. Eligible homebuyers must receive counseling from an approved partner agency and fulfill education requirements.

SmartMove Loan

Partner Counseling Agencies

Start the counseling and homebuyer education process today with a local HUD-approved agency:

  Nassau/Suffolk Counties:
  Westchester County:

SmartMove Application

Download the application today by clicking here.

HDF Connects is the name used by the Housing Development Fund, Inc. (HDF), a Connecticut-based corporation, for its operations in New York state. Click here to learn more.