Summit County at a glance
Summit School District RE-1 is the only district in the county, so most eligible school buyers share one employer. Schools To Home allows condos and PUDs as long as the home is your primary residence with one living unit.
The Summit County Sheriff's Office, Breckenridge Police Department and Summit Fire & EMS are the key Colorado Champions employers. EMTs with Summit Fire & EMS need a current CDPHE certificate.
Summit's FirstStep income limits are a little above the metro tier. For any CHFA program, the loan is capped at the lower of $832,750 or the loan type's limit.
Caps for Summit County
| Income, 1–2 | Income, 3+ | Price cap |
|---|---|---|
| $145,800 | $167,670 | $832,750 |
Summit's FirstStep income limits sit slightly above the metro tier; the spotlight programs use statewide caps. Statewide table · Budget estimate
Local programs in Summit County
Programs run by cities, the county, employers or nonprofits here. Some layer on top of the state option and some replace it; the lender sorts out which combinations are allowed.
Summit Combined Housing Authority Down Payment Assistance
WaitlistSummit County
- Buyers
- Households with someone working 30+ hrs/week year-round in and in service to Summit County
- Amount
- Up to $40,000
- Form
- Loan with monthly payments
- Income cap
- Up to 160% AMI
- Conditions
- Must be under contract on a Summit County property; covers less than 30% of financing on a 2:1 ratio; about 4 weeks to process
2% interest, up to 20 years. SCHA says the Summit Revolving Loan Fund is fully utilized and on waitlist status.
Checked November 2026 · method
Program details → Check my eligibility →Homebuyer courses near Summit County
HUD lists no approved counseling agency within 50 miles of Summit County. An online HUD-approved course usually satisfies the education rule; the lender names the ones that count.
Qualifying employers in Summit County
Local school systems and public safety agencies:
- Summit School District RE-1
- Summit County Sheriff's Office
- Breckenridge Police Department
- Summit Fire & EMS
Summit RE-1 staff and the sheriff, Breckenridge police and Summit Fire & EMS employees are the usual qualifiers. Full list of eligible jobs.
Summit County questions
Can I buy a condo with Schools To Home in Summit County?
Yes, condos are allowed if the home is your primary residence and meets the loan's property rules.
Can I rent the home out short-term?
The home must be your owner-occupied primary residence. If you stop living there, the second mortgage comes due.
What's Summit County's FirstStep income limit for 3+ people?
$167,670, non-targeted.
Nearby county guides: El Paso · City and of Denver · Arapahoe · Jefferson · Adams · Douglas · Weld · Larimer · Boulder · Pueblo · all counties
Run the check for Summit County
Six questions, no credit check. A lender who offers the program follows up, or call (800) 555-0100.
Start the eligibility check