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Longmont, CO

Down payment assistance in Longmont, CO

The City of Longmont's Housing and Community Investment Division runs the Boulder County Down Payment Assistance program for Longmont and the county outside Boulder. New applicants join a waitlist first.

How does Longmont's down payment program work?

Longmont runs the Boulder County Down Payment Assistance program for buyers in Longmont and in the rest of Boulder County outside the City of Boulder. The repayment terms depend on income. Households earning 61% to 80% of area median get an amortizing loan at 2% over 30 years. Households below 60% get a 0% deferred loan with no payments. Some versions of the program go up to 120% of the Boulder County median. The program is on waitlist status, so applicants sign up and wait for an opening rather than closing on a set timeline.

There are more rules than most programs have, and the order matters. Eligibility has to be confirmed before you sign a purchase contract. You take the CHFA homebuyer class before going under contract and also attend a Boulder County Personal Finance session. Liquid assets have to be spent down to $50,000, and you put in the greater of $2,000 or 1% of the price. The home must pass an HQS-type inspection and meet floodplain limits, and you can't own other property. Katie Sylvis in the Housing and Community Investment Division (303-774-4509) handles the program.

While you wait, other doors are open. metroDPA serves listed cities and unincorporated Boulder County with no first-time requirement. Full-time St. Vrain Valley Schools staff can look at CHFA Schools To Home. Longmont Police officers fall under CHFA Colorado Champions. The Boulder County guide lists the CHFA income and price limits, and the eligibility check lets a lender compare them.

Longmont programs

Boulder County Down Payment Assistance (City of Longmont)

Waitlist

City of Longmont and Boulder County outside the City of Boulder

Buyers
Income-qualified buyers of a primary residence
Form
amortizing (61-80% AMI: 2%, 30 years) or deferred (below 60% AMI: 0%, no payments)
Income cap
At or below 80% or 120% AMI for Boulder County depending on program
Conditions
Liquid assets spent down to $50,000; min contribution $2,000 or 1% (greater); CHFA homebuyer class before contract plus Boulder County Personal Finance session; eligibility before signing a contract; HQS-type inspection; floodplain limits; may not own other property

Applicants join a waitlist first. Contact katie.sylvis@longmontcolorado.gov, 303-774-4509.

Checked November 2026 · method

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County programs that cover Longmont

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 →

Boulder Regional Affordable Homeownership Program (Permanently Affordable homes)

Open

Boulder Valley, mostly City of Boulder (regional partnership incl. Lafayette)

Buyers
Low, moderate and middle-income owner-occupants
Amount
Below-market purchase price with permanent affordability covenant
Form
deed-restricted / shared equity
Income cap
Program max $157,500 (1) to $225,000 (4); each home may have a lower limit
Price cap
Set per home; resale price capped
Conditions
Asset limits (e.g. $225,900 for 4); affordability covenant

Checked November 2026 · method

Check my eligibility →

Statewide programs

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

County guide: Boulder County.

Homebuyer courses near Boulder County

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

AgencyCityMilesServicesLanguagesFormat
Community Resources and Housing Development CorporationWestminster25 mihomebuyer education class, pre-purchase counselingEnglish, SpanishFace to Face, Phone, Internet
Brothers Redevelopment, Inc.Edgewater28 mihomebuyer education class, pre-purchase counselingEnglish, SpanishFace to Face, Phone, Internet
Operation Hope-Commerce City CoCommerce City30 mihomebuyer education class, pre-purchase counselingEnglish
Denver Housing AuthorityDenver30 mihomebuyer education class, pre-purchase counselingEnglishFace to Face, Phone, Internet
Colorado Housing and Finance AuthorityDenver30 mihomebuyer education class, pre-purchase counselingEnglish, Spanish

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

Longmont questions

Is Longmont's down payment assistance open?

It is on waitlist status. Applicants join the waitlist first and are contacted as funds allow. You must be found eligible before signing a purchase contract.

Do I have to make payments on the Longmont loan?

It depends on income. Households at 61% to 80% of area median repay at 2% over 30 years. Households below 60% get a 0% deferred loan with no monthly payments.

Can buyers in the City of Boulder use this program?

No. It covers the City of Longmont and Boulder County outside the City of Boulder. Boulder has its own H2O loan and Solution Grant.

Check Longmont 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