Paying for Housing

There are several ways older adults and people with disabilities can pay for housing. Each program offers its own services and supports and determines its own criteria for eligibility. Select a financial option to learn more.


Private Pay: Private pay refers to using personal funds to cover all or a portion of an expense. There are different ways to acquire private pay resources.

Long-Term Care Insurance: Long-term care insurance helps cover the costs of long-term services and supports at home, in an assisted living facility or in a nursing home.

Reverse Mortgages: A reverse mortgage is a type of home loan older homeowners can use to tap accrued equity in their house for cash. Recipients can use the money to pay off debts, supplement other income, or pay healthcare expenses.

HUSKY Health and Medicaid: This program provides a comprehensive health care benefit package including preventive care, primary care, specialist visits, hospital care, behavioral health services, dental services, hospice and prescription medications to eligible individuals.

CT Home Care Program for Elders (CHCPE): This program enables older adults to remain in their homes with services and supports instead of residing in a nursing facility or other institutional setting to receive care.

Personal Care Assistance (PCA) Waiver: Adults aged 18 to 64 with disabilities in need of assistance performing Activities of Daily Living can apply for the Personal Care Assistance Waiver to receive long-term care from a trained, personal care assistant while at home.

Medicare: This is the federal health insurance program for older adults, people with disabilities and people with End-Stage Renal (Kidney) Disease and ALS. Benefits can be received through different programs and policies either from the government or a private insurance company.

CHFA Downpayment Assistance Program (DAP): First-time homebuyers who qualify for a CHFA first mortgage may also apply for the Down Payment Assistance program. This offers a low-interest loan to cover the expenses of a down payment.

CHFA Home of Your Own Program for Persons with Disabilities: This program makes homeownership more accessible to first-time buyers with disabilities by providing loans at below market rates.

Programs for Private Home Repairs: There are several options available to homeowners and renters looking to make home improvements, repairs or modifications. These programs generally require out-of-pocket expenses.

Renters' Rebate: This program provides a reimbursement for eligible Connecticut renters who are elderly or living with a disability.

Rental Assistance Program: This is a state-funded program that helps families with low-incomes afford safe housing in the private market. Eligible participants who receive RAP certificates are free to choose their own rental housing.

Homeowners Elderly/Disabled Tax Relief Program (Circuit Breaker): This program provides a tax credit to low-income older adults and people with disabilities who own or rent property.

Housing and Urban Development (HUD) Approved Housing Counseling: Current and prospective homeowners and renters can receive advice and housing counseling from sponsored agencies statewide at no- or low-cost to make informed purchasing decisions about their home.

Housing Choice Voucher Program (Section 8): This program is a federally funded rent subsidy program. Generally administered by local housing authorities, it provides rent vouchers to eligible households.

Apartment Conversion for the Elderly Program: This program enables homeowners age 62 and over to convert space in their single-family home into an accessible apartment or build an addition to create an apartment.

Affordable Assisted and Congregate Living Options: There are a few programs that provide access to financial support for assisted living services for older adults and adults with disabilities who choose to live in a Managed Residential Communities or Congregate Housing.

VA Home Loans: VA home loans offer eligible veterans, active service members and their spouses a special home loan benefit to buy, build, refinance or adapt their home without the need for excellent credit.