We Found Home Repair Loans and Grants in Connecticut!

Whether you’re struggling to make your mortgage payments or faced with an unexpected repair expense in Connecticut, there is help available to you!

While researching low income home buyer programs in Connecticut, we stumbled across several helpful programs for those who already own their own homes.

Always check with these agencies!

Community Renewal Team provides assistance with weatherization improvements (such as insulation and weatherstripping). They also offer foreclosure prevention services.

Connecticut Children’s Healthy Homes Program provides inspections and plans for lead and home safety hazard removal. They provide financial assistance to help families correct those hazards and may even help you temporarily relocate during construction! They can also provide referrals to other no-cost and low-cost home repair loans, grants and weatherization services!

Connecticut Housing Investment Fund Inc. provides an Energy Conservation Loan (ECL) Program. They can loan up to $25,000 for the purchase of various home improvements, including:

• Replacement Heating Systems (zero interest for eligible boilers and furnaces!)
• Weatherization Services (caulking, weatherstripping, insulation, etc)
• Replacement air conditioners
• Replacement hot water heaters
• Heat pumps
• Roof replacements
• Solar systems
• and more!

CHIF also offers a micro loan financing program that offers $1,000 to $3,000 toward smaller energy efficiency projects. This loan carries ZERO interest and can only be used for certain high efficiency upgrades. 

Don’t forget about these extra benefits!

Property tax exemptions are available to homeowners who are veterans, disabled or over the age of 65! These programs can reduce your tax liability, “freeze” the tax rate so it doesn’t increase and so much more. State law requires all cities and towns to provide these programs. Contact your city officials for more information about how to apply.

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Get help with home repair loans and home improvement grants from these counties and cities!

Bridgeport seems to provide some sort of down payment assistance program, according to the city website. I have reached out to city officials for more information and will update this post when I receive a reply.

Fairfield offers a few programs to assist homeowners. They provide a lead paint abatement program, a handyman project and a residential rehab program. The handyman program provides up to eight hours of labor for minor maintenance and repairs as long as the homeowner pays for the materials. The residential rehab program provides zero interest loans to pay for improvements and repair.

Hamden provides up to $20,000 in no-interest loans for home repair. These fund scan be used for roof repair, furnace repair, window replacement, fire safety and other needs.

Hartford helps homeowners make needed repairs with the Housing Preservation Loan Fund (HPLF). This program provides low-cost repair loans of up to $43,000 to low income homeowners.

Manchester has an Emergency Replacement Program that provides replacements for essential home systems such as boilers, furnaces, roofs and hot water heaters. The city also offers a Housing Rehabilitation Program that can assist with other needed repairs.

New Haven provides several home repair loans and grant programs. The Energy Efficiency Rehabilitation Program helps buyers complete energy-efficiency repairs and improvements. The Elderly and Disabled Repair Program provides up to $15,000 in a zero-interest home repair loans for elderly and disabled homeowners. The loan is forgiven at a rate of 20% per year for five years. The Lead Hazard Control Program can help remove lead paint risks.

Norwalk offers accessibility grants, residential facade home improvement grants, residential rehabilitation assistance loans and more to low income homeowners! These home improvement grants can be used to install mobility ramps, complete needed home repairs and more!

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Nicole Thelin

Nicole is the founder and lead researcher of Low Income Relief. After a personal experience with poverty and homelessness following her husband's sudden medical discharge from the U.S. Army, Nicole discovered the life-changing impact of community resources. This experience ignited her passion for empowering others to navigate similar crises. Nicole launched her writing career at age 16, working for various newspapers and publications. Her commitment to in-depth research and accessible content has been recognized by Google for Publishers and other industry leaders. For over 20 years, she has applied her investigative skills to uncover the most helpful, up-to-date information on benefits programs and community resources, ensuring Low Income Relief maintains the most extensive resource databases available.