Broomfield Down Payment Assistance Programs (2026)

How much can Broomfield's program cover?

The Broomfield Down Payment Assistance program lends low-to-moderate income first-time buyers up to 10% of the sale price. That is more than most percentage-based programs in the metro. The loan is 0% simple interest and deferred for 30 years, and it comes due at maturity, sale or transfer. The 2026 flyer from CHAC, dated May 2026, sets two income tiers. For market-rate homes the limits are $120,960 for one person, $138,240 for two, $155,520 for three and $172,800 for four. For Broomfield's affordable homes they are $80,640 for one person and $115,200 for four.

The qualifying math is fairly tight. Housing costs can be up to 35% of income and total debt up to 45%, and you contribute the greater of $1,000 or 1% of the price. You don't apply to CHAC yourself: your lender contacts CHAC, so choose a loan officer who has closed Broomfield loans before. The program is listed as open, with no waitlist noted. Get pre-approved early, because the 10% second has to fit under those ratio caps together with your first mortgage, taxes and insurance.

Since Broomfield is a combined city and county, the county programs and the city program are the same office. metroDPA also covers Broomfield and has no first-time requirement. Students here attend Adams 12 Five Star Schools or Boulder Valley School District, and full-time staff at either can look at CHFA Schools To Home. Broomfield Police and North Metro Fire Rescue District crews fall under CHFA Colorado Champions. The Broomfield County guide has the state limits.

Broomfield programs

Broomfield Down Payment Assistance (CHAC)

Open

City and County of Broomfield

Buyers: Low-to-moderate income first-time buyers
Amount: Up to 10% of sale price
Form: Deferred loan, repaid later
Income cap: 2026: market-rate homes $120,960 (1) / $138,240 (2) / $155,520 (3) / $172,800 (4); affordable homes $80,640 (1) to $115,200 (4)
First-time only: Yes
Conditions: Buyer contributes greater of $1,000 or 1%; ratios max 35% housing / 45% DTI; lender contacts CHAC

0% simple interest, 30-year deferred, due at maturity, sale or transfer. Flyer dated May 2026.

Checked November 2026 · method

Program details →Check my eligibility →

County programs that cover Broomfield

metroDPA (Metro Down Payment Assistance)

Open

Denver metro / Front Range: listed cities and towns plus unincorporated Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert, Jefferson and Larimer counties

Buyers: Any buyer (first-time and repeat) buying a primary residence in a participating area; min FICO 620 (TMS) or 640 (U.S. Bank)
Amount: 0%, 3% or 4% of the first-mortgage amount (Nov 2, 2026 U.S. Bank guide); daily rate sheets currently show 0% or 3% for FHA/VA/USDA and 80%-AMI conventional, 2% for conventional over 80% AMI. 'EDGE' option: buyer or seller pays 2 points for a lower rate
Form: Deferred loan, repaid later
Income cap: $216,000 for FHA/VA/USDA and conventional over 80% AMI (same for all household sizes); conventional at/below 80% AMI tier $115,200 in Denver-metro counties ($120,000 Boulder, $104,320 Larimer, $102,400 Weld)
Price cap: None (agency loan limits apply)
First-time only: No
Conditions: Must use metroDPA first mortgage from an approved lender (30-yr fixed FHA, VA, USDA-RD, Fannie HFA Preferred, Freddie HFA Advantage); homebuyer education for all borrowers; occupy within 60 days; max DTI about 50%

0% 30-year second, never forgiven; due on sale, refinance, payoff or move-out. Cannot be combined with CHFA Schools To Home (each requires its own first mortgage). Incorporated cities listed include Denver, Aurora, Arvada, Lakewood, Westminster, Thornton, Northglenn, Brighton, Commerce City, Englewood, Littleton, Centennial, Golden, Wheat Ridge, Edgewater, Castle Rock, Parker, Lone Tree, Boulder, Longmont, Erie, Superior, Broomfield, Fort Collins, Loveland, Berthoud, Timnath, Wellington, Windsor, Greeley, Evans, Eaton, Ault, Johnstown, Firestone, Frederick, Dacono, Mead, Platteville, Keenesburg, Lochbuie, Elizabeth, Bennett, Deer Trail and others (eligible-areas PDF dated 06-12-23). Denver's page and metro-dpa.com show older figures ($210,150 income cap; 5% example).

Checked November 2026 · method

Program details →Check my eligibility →

Statewide programs

10 statewide programs are also open to Broomfield buyers, CHFA Schools To Home among them. Full Colorado directory · program match

County guide: City and County of Broomfield.

Homebuyer courses near City and County of Broomfield

Plan on a homebuyer education course before closing; nearly every program asks for one. HUD-approved agencies serving City and County of Broomfield:

Agency	City	Miles	Services	Languages	Format
Community Resources and Housing Development Corporation	Westminster	8 mi	homebuyer education class, pre-purchase counseling	English, Spanish	Face to Face, Phone, Internet
Operation Hope-Commerce City Co	Commerce City	11 mi	homebuyer education class, pre-purchase counseling	English
Colorado Housing and Finance Authority	Denver	14 mi	homebuyer education class, pre-purchase counseling	English, Spanish
Brothers Redevelopment, Inc.	Edgewater	14 mi	homebuyer education class, pre-purchase counseling	English, Spanish	Face to Face, Phone, Internet
Northeast Denver Housing Center	Denver	15 mi	homebuyer education class, pre-purchase counseling	English	Face to Face, Phone, Internet

From HUD's housing counseling agency list. Programs differ on which courses they accept.

Which course counts? Your lender names the class your program accepts and can begin pre-approval at the same time. Start the eligibility check

Broomfield questions

Do I have to be a first-time buyer for Broomfield's program?

Yes. The Broomfield program run by CHAC is for low-to-moderate income first-time buyers. metroDPA, which also serves Broomfield, has no first-time requirement.

When do I repay the Broomfield loan?

It is a 0% simple-interest loan deferred for 30 years. It is due at maturity or when you sell or transfer the home, and there are no monthly payments before then.

What are Broomfield's 2026 income limits?

For market-rate homes, $120,960 for one person up to $172,800 for four. For affordable homes, $80,640 for one person up to $115,200 for four.

Check Broomfield options in one pass

A lender who offers Colorado programs weighs the city, county and state programs together. No credit check.

Start the eligibility check

Down payment assistance in Broomfield, CO