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Housing Preservation Loan Fund

City of Hartford, Division of Housing · City program

Low-interest loans; city materials say 0% to 4% depending on income.

The City of Hartford offers low-interest home-improvement loans for homeowners to repair and improve their houses. The official city materials say the loans can cover items like roofs, gutters, siding, windows, doors, chimneys, and porches, with rates that vary by income.

Last verified: August 20, 2026
Visit official program page

Program details

How it works

The City of Hartford’s Housing Preservation Loan Fund (HPLF) is a long-running home improvement loan program for Hartford homeowners. The city says it provides financing to help preserve Hartford’s housing stock and revitalize neighborhoods.

What the money covers

The city’s official program list says eligible work can include:

  • Roof
  • Gutters
  • Chimney
  • Furnace
  • Hot water heater
  • Sidewalk
  • Driveway
  • Siding
  • Windows
  • Doors
  • Exterior painting
  • Front/rear porches

Amounts and matching

The official page says the program provides low-interest loans, and a city PDF says the interest rate ranges from 0% to 4% depending on the applicant’s income level. The source does not state a maximum loan amount on the pages reviewed.

How to apply

The city directs applicants to apply through the Division of Housing / Development Services. The city’s materials indicate the program is administered by Hartford staff, but the reviewed page does not spell out all application steps.

Timing and deadlines

The city page reviewed does not state a deadline, funding cap, or whether the program is currently open, though it describes the program as a standing city resource and notes it has been a resource for more than 25 years.

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