Loan Add-Ons

Combine AHFC loan options with a single-family loan program to reduce your interest rate or assist with the down payment. (Borrowers and properties must meet requirements.) Find out if more than one applies by checking with an approved lender.

Single-Family Loan Options

Affordable Housing Enhanced Loan Program

Borrowers receive down payment assistance (secondary financing) from a local, state or federal governmental agency, nonprofit agency or regional housing authority.

Energy Efficiency Interest Rate Reduction Program

To promote the energy efficiency of existing and newly constructed homes, AHFC offers interest rate reductions to homebuyers for properties meeting certain criteria.

Interest Rate Reduction for Low-Income Borrowers

The IRRLIB option seeks to increase home ownership by offering subsidized interest rates to low-income borrowers depending on family income and family size.

State Veterans Interest Rate Preference

Qualified veterans receive a one percent interest rate reduction on the first $50,000 of the loan amount. Veterans must meet "State Vet" income limits.

Note: Loan options are not available on multi-family loan programs.

Alphabetical list of all AHFC loan programs and options.