Affordable Housing Program (AHP) (a.k.a FLEX)

Also referred to as soft capital, this program is DOH’s primary housing production program and is frequently referred to as the “flexible” housing program. The program provides quality, affordable housing for Connecticut residents, promotes and supports homeownership and mixed-income developments, and assists in the revitalization of urban and rural centers.

Funds can be used for: acquisition, rehabilitation, new construction, demolition, homeownership, multi-family rental housing, adaptive re-use of historic structures, special needs housing, redevelopment of vacant properties, infrastructure improvements, and housing for individuals or families with incomes up to 100% of Area Median Income.


Build for CT

A collaboration between the CT Department of Housing and CHFA to create public-private partnerships with lenders and developers to address the housing needs of middle-income renters  (Workforce Housing ). Restricted rents must reflect a discount to market rents.  Rates between 1% -3%  to borrower depending on the significance of the discount. B4CT is a subordinate loan program and needs to be paired with an approved participating Senior Lender.


Connecticut Housing Trust Fund

Program provides gap financing, grants, loan guarantees, low-and-no-interest loans and funding for the CT Individual Development Account housing program

Purpose: encourages creation of homeownership housing for low and moderate income families, promotes the rehabilitation, preservation and production of rental housing and the development of housing which aids the revitalization of communities


HOME Investment Partnerships Program

Federal block grant program administered by the state and designed to create affordable housing for low and moderate-income households. Purposes include: provide quality, affordable housing for Connecticut residents; strengthen communities; expand the capacity of non-profit housing development organizations; and leverage private sector participation. Eligible uses include rehabilitation, new construction, demolition, American Dream Down Payment Initiative, homeownership, rental housing, relocation, pre-development loans, operating expenses (CHDOs only, see HOME – CHDO Funding program), and homebuyer education.


Housing Receivership Revolving Fund

By law the Housing Receivership Revolving Fund may be used with court approval, to meet expenses for certain buildings for which a
receiver has been appointed to remedy certain housing violations. New $50M expands the conditions under which the Superior Court may authorize the fund’s use by:
(1) eliminating a requirement that the building in receivership have no more than 20 units or be a mobile manufactured home park or a space or lot
(2) increasing the cap on the anticipated per-unit average expense from $5,000 to $10,000

Also increases the amount that may be spent from the fund in any single municipality from $200K to $1M per year


Incentive Housing Zone (IHZ) Program

Grants for the purpose of providing TA and pre-development funds in the planning of IHZs, the adoption of IHZ regulations and design standards, the review and revisions as needed of applicable subdivision regulations and applications for preliminary or final approval

Incentive Housing Developments (IHD) must be residential or mixed-use developments


Land Bank Trust

Program provides eligible applicants with grants, loans and deferred loans for the costs of acquiring land or interest in land and the costs of holding and managing land to be developed as housing for low and moderate-income families

Two components:
(1) Land Bank – grants, loans or deferred loans to purchase land, which an eligible applicant can “bank” or hold the land for a period of up to two years
(2) Land Trusts – grants, loans and deferred loans for acquisition, holding and managing costs, but land must be developed right away. The land underlying the units must be held in trust


National Housing Trust Fund (NHTF)

National Housing Trust Fund is a federal block grant program used for the production, preservation, rehabilitation, or operation of affordable rental housing. 75% of all HTF dollars must serve extremely low-income households.


Pre-Development Loan Program

Provides financial assistance in the form of an interest free loan to the Developer for predevelopment
costs incurred in connection with the construction, rehabilitation or renovation of decent, safe and sanitary dwelling
units for low and moderate income families.

Eligible expenses include architectural designs, feasibility studies, market studies, appraisals, and option payments to acquire a site. Loans are available for up to $300,000. All loans are 0% interest and available for a term of 24 months. The majority of projects serve households with incomes of 25%-60% of the area median income (AMI).


Priority Needs

Funding to address critical life-safety needs at SSHP properties