chfa homeopener

​​CHFA HomeOpenersm purchase mortgage program is open to all homebuyers who have a mid credit score of 620 or higher. It has higher income li​mits than our other programs, and has no purchase price limits. 

The CHFA HomeOpener loan program may be paired with CHFA's down payment and closing cost assistance programs. 

​​​​​​​​​​chfa homeopener qualifications

Applicants must meet the following minimum criteria*:


  • Meet program income limits​​​
  • Complete a CHFA homebuyer education class (in-person or online) prior to loan closing
  • Contribute a minimum of $1,000 toward the transaction
  • Have a mid credit score of 620 or higher


* In addition to qualifying for the CHFA program guidelines, you must also qualify according to the first mortgage underwriting
   guidelines as determined by your CHFA Participating Lender.​

​​​​down payment assistance

CHFA HomeOpener Plus has the same features as the CHFA HomeOpener program and offers a CHFA Down Payment Assistance Grant (CHFA DPA Grant)​​ or zero-percent second mortgage loan to help with down payment and/or closing costs.​​

Find a CHFA Participating Lender


Contact a CHFA Partic​ipating Lender ​to get started on your road​ home.