how to get a chfa program loan


Homeownership Webinars
CHFA believes in responsible, affordable homeownership. Through our statewide network of Participating Lenders, we offer:

General Program Requirements

The following are some of CHFA’s general requirements:

  • All borrowers have a mid-credit score of 620 or higher

  • Total borrower income must not exceed CHFA’s income limits

  • Attend a CHFA-approved homebuyer education class (in person or on-line) prior to loan closing

  • Make a minimum borrower financial contribution of at least $1,000 toward the purchase of the home

In addition to meeting CHFA program requirements, borrowers must qualify according to the underwriting guidelines as determined by one of CHFA’s Participating Lenders.

Important next steps

  • Take a homebuyer education class:

    • You must complete a CHFA-sponsored homebuyer education class before closing on your home loan under a CHFA program. We recommend taking the class early in your housing search so that you are prepared to find a lender and real estate agent who are the best fit for you.

    • In-person and online options are available.

    • Register for a class today!

  • Contact a CHFA Participating Lender:

    • CHFA loan programs are available through our statewide network of CHFA Participating Lenders.

    • A CHFA Participating Lender will help you determine which CHFA loan programs will work for you. They will walk you through the entire loan process from application to closing.

​CHFA Homebuyer 101
Buying a home is a big commitment and CHFA understands you might feel overwhelmed. A great place to start is to learn the eight steps to homeownership and the basic requirements in using one of CHFA’s home mortgage loan programs. Attend this short webinar to start your homeownership journey.

*Important: This webinar does not meet CHFA's homebuyer education certification requirement. This webinar is merely an introduction into the homebuying process.

​Live Webinar
​October 13, Noon to 1:00pm
Register online
​Live Webinar
October 28, 4:30pm to 5:30pm
​Register online
​Live Webinar
​November 10, Noon to 1:00pm
Register online
​Live Webinar
​November 23, 4:30pm to 5:30pm
Register online


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