Preservation Loan Fund

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Preservation Loan Fund

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. (Loan amounts, rates, and terms are shown in the table below.)


Housing Preservation Loan Fund Program Parameters

House Size

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

• Very low-income & owner-occupied

• Income of owner


0% (Deferred Loan) • Transfer of title (sale of house) -Primary residency requirement
1-4 units

• Low/moderate-income & owner-occupied

• Income of owner 
• Ability to repay loan

$25,000–single family
$30,000– two family
$36,000– three family
$43,000– four family


10 years

1-4 units

• Investor owners
• Owner occupants not low-income

• Low/moderate income tenants
• Ability to repay loan

Same as above


10 years


•  All owners

• Building’s debt 
service capacity

$10,000 per unit


10 years

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 Frequently Asked Questions 

For More Information Please Contact: 
Celina Caez, Program Supervisor
City of Hartford
Department of Development Services
Housing and Property Management Division 
250 Constitution Plaza, 4th floor
Hartford, CT 06103
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HARTFORD CITY HALL ADDRESS: 550 Main Street, Hartford, CT 06103 PHONE: (860)757-9311 HOURS: 8AM - 5PM