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The above pictures illustrate how the Housing Preservation Loan Fund has transformed one of several properties in Hartford.

The Housing Preservation Loan Fund (HPLF) Program has been a vital resource to Hartford residents for home improvement for more than 25 years. HPLF offers affordable loans to homeowners to make needed repairs and improvements to their properties.

Through HPLF the City provides financing for the preservation of Hartford's housing stock and the revitalization of its neighborhoods. The program is designed to help low-income and moderate-income households fix-up their properties, and support efforts to beautify and improve neighborhoods. The program is funded by Community Development Block Grants from the federal government. HPLF's low-interest rates range from 0% to 4% depending upon each applicant's income level. In order to qualify for an HPLF loan you must be income-eligible according to federal guidelines.


There are no application fees nor up-front costs associated when submitting an application.

Housing Preservation Loan Fund Program Parameters

 Building Size Property Owner Basic Eligibility Requirements Maximum Loan Amount Interest Rate
  Maximum Term
1-4 units

Under 50% AMI and

Income of owner   $10,000
Deferred Loan
Transfer of title
(sale of house)
1-4 units

51% - 80% AMI and

 Income of owner;
Ability to repay loan
$25,000–single family
$30,000– two family
$36,000– three family
$43,000– four family
2% 10 year
1-4 units

Over 80% AMI and/or

 Low/moderate income tenants;
Ability to repay loan
$25,000–single family
$30,000– two family
$36,000– three family
$43,000– four family
4% 10 year

Important Note: When a property contains two dwelling units at least one must be occupied by low/moderate-income households. If the structure contains more than two units at least 51% of units must be so occupied. Rent restrictions apply for low/moderate-income tenants.

Housing Preservation Loan Fund Income Guidelines

Household Size 1 2 3 4
50% AMI  $35,350  $40,400  $45,450  $50,450  $54,500  $58,500  $62,600  $66,600
80% AMI  $52,850  $60,400  $67,950  $75,500  $81,550  $87,600  $93,650  $99,700

Information Sessions

For more information about the Housing Preservation Loan Fund program please attend one of our information sessions held every Wednesday evening at 5:15pm promptly or every Thursday at 12:00pm. The sessions are held at our office at 250 Constitution Plaza on the 4th floor. Registration is not required.

For more information please contact:

      Celina Caez, Project Manager                                                
      City of Hartford                                                                             
      Department of Development Services                                          
      Division of Housing                                                                       
      250 Constitution Plaza, 4th floor                                                   
      Hartford, CT 06103                                                                       
      (860) 757-9028                                                                             


Housing, Economic Development, Planning & Zoning is located at 250 Constitution Plaza, 4th Floor
   Licenses & Inspections is located at 260 Constitution Plaza, Ground Floor

HARTFORD CITY HALL ADDRESS: 550 Main Street, Hartford, CT 06103 PHONE: (860)757-9311 HOURS: 8AM - 5PM