Down payment help in Larimer County

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

Denver, Aurora and Fort Collins listings (also Trinidad and Cripple Creek outside the 20 counties)

Buyers

Low-to-moderate income households at or below 80% AMI buying a CLT home (ECLT owns the land under a 99-year ground lease; buyer owns the house)

Amount

Below-market prices; listings seen Nov 2026 from about $152,000 to $350,000

Form

shared equity (community land trust)

Income cap

80% AMI: Denver metro $115,200 for 4 (MTSP); Larimer County $104,320 for 4; asset limit $185,000 for 4

Price cap

Set per home

Conditions

Must use an ECLT participating lender; ECLT online orientation plus CHFA homebuyer education; HUD Chapter 5 income rules; resale formula limits appreciation

ECLT homes are eligible for Dearfield Fund DPA. ECLT keeps a list of compatible DPA programs. Income limits: https://elevationclt.org/elevation-community-land-trust-income-limits . Aurora ZIPs 80010/80011 straddle Adams and Arapahoe counties.

Checked November 2026 · method

Larimer and Weld counties

Buyers

Buyers who own no other property (residential, commercial or land)

Amount

Up to 15% of purchase price

Form

deferred (shared equity)

Income cap

120% of HUD AMI for the county, by household size

Price cap

$650,000

Conditions

Conventional conforming or certain portfolio loans only (no FHA/VA); 5% minimum borrower investment; max back ratio 45%; assets capped at 1.5x household income; may stack with other DPA

No monthly payments; equity-share repayment. Guideline revised 10/8/2025.

Checked November 2026 · method