Hartford Home Repair Loans: HPLF (2026)

Two tiers, based on your income

Hartford's Development Services division runs HPLF with a clear income split. If your household is under 50% of Area Median Income, you qualify for a deferred loan at 0% interest — you make no payments, and the balance is due only when you sell or transfer the property. If your income is higher (51% to 80% AMI, or above), you instead get a standard amortizing loan at 2% to 4% interest over a 10-year term, with a higher borrowing limit that scales up for multi-unit properties.

Eligibility and how to apply

• Property: owner-occupied or rental, 1–4 units, located in Hartford.
• Standing: current on property taxes and parking tickets; current on your mortgage; homeowner's insurance required.
• Credit history: any bankruptcy or foreclosure must be 2+ years old.
• Under 50% AMI: 0%-interest deferred loan, due at sale/transfer; max $10,000.
• 51%+ AMI: low-interest amortizing loan, 2–4%, 10-year term; max $25,000 (single-family) up to $43,000 (four-family), scaled by unit count.
• Apply: through the City of Hartford, Development Services (Division of Housing) — see hartfordct.gov.

Pro tip from our network contractors

If you're close to the 50% AMI line, ask Development Services which tier you'd land in before you apply — the difference between a deferred 0% loan and an amortizing 2–4% loan is significant, and household composition can shift where you fall.

Elsewhere in Connecticut

Connecticut has no dedicated statewide home-repair grant program — assistance elsewhere in the state runs through local Small Cities CDBG programs and weatherization assistance. See our government home repair grants by state guide for what's available at the federal level if Hartford's program doesn't fit your situation.