Weld County at a glance
Greeley-Evans School District 6 is the largest employer of school staff here, with Weld RE-4 serving Windsor and St. Vrain Valley Schools covering southwest Weld towns like Frederick. Windsor sits on the Weld-Larimer line, so check which district your school belongs to; either way, full-time status is what counts.
The Weld County Sheriff's Office, Greeley Police Department and Greeley Fire Department lead the list for Colorado Champions. Rural Weld fire districts with volunteer crews also count, since volunteers are eligible.
For first-time buyers who don't fit either program, Weld's FirstStep income limits are higher than the Denver metro's, which can make FirstStep worth a look.
Caps for Weld County
| Income, 1–2 | Income, 3+ | Price cap |
|---|---|---|
| $153,600 | $179,200 | $735,320 |
Weld's FirstStep limits are the highest in this guide; Schools To Home and Champions still use their own statewide caps. Statewide table · Budget estimate
Local programs in Weld 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.
metroDPA (Metro Down Payment Assistance)
OpenDenver 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 →G-HOPE (Greeley Home Ownership Program for Employees)
OpenCity of Greeley - University and Redevelopment Districts
- Buyers
- Regular full-time employees of Greeley-based employers (IDF lists City of Greeley, University of Northern Colorado, Weld School District 6, Banner Health/NCMC, JBS, Frontier Academy, Sunrise Community Health, North Range Behavioral Health)
- Amount
- Lesser of $2,500 or 2% up to $8,000 depending on location; +$1,500 for university employees buying in the University District
- Form
- Forgivable loan
- Income cap
- None
- First-time only
- No
- Conditions
- Single-family homes only, primary residence; $1,000 minimum contribution; one-time benefit
0% loan forgiven 20% per year over 5 years. Guidelines (Jan 2025): https://impactdf.org/wp-content/uploads/2022/11/City-of-Greeley-G-HOPE-Guidelines_1.2025.pdf . Greeley's page describes the eligible area as east of 35th Avenue.
Checked November 2026 · method
Program details →Check my eligibility →NoCo Foundation DPA Program
OpenLarimer 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
Program details →Check my eligibility →Homebuyer courses near Weld County
Plan on a homebuyer education course before closing; nearly every program asks for one. HUD-approved agencies serving Weld County:
| Agency | City | Miles | Services | Languages | Format |
|---|---|---|---|---|---|
| Neighbor To Neighbor | Fort Collins | 36 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
| Northeast Colorado Housing, Inc. | Fort Morgan | 37 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone |
| Operation Hope-Commerce City Co | Commerce City | 57 mi | homebuyer education class, pre-purchase counseling | English | |
| Community Resources and Housing Development Corporation | Westminster | 60 mi | homebuyer education class, pre-purchase counseling | English, Spanish | Face to Face, Phone, Internet |
From HUD's housing counseling agency list. Programs differ on which courses they accept.
Qualifying employers in Weld County
Local school systems and public safety agencies:
- Greeley-Evans School District 6
- Weld RE-4 School District
- St. Vrain Valley Schools (southwest Weld)
- Weld County Sheriff's Office
- Greeley Police Department
- Greeley Fire Department
Full-time staff at the three districts above and the sheriff, police and fire agencies listed are common Weld County qualifiers. Full list of eligible jobs.
Weld County questions
What are Weld County's FirstStep limits?
$153,600 for 1-2 people and $179,200 for 3 or more, with a $735,320 non-targeted price limit.
I teach in St. Vrain but live in Weld. Does that work?
Yes. Schools To Home is statewide and follows your employer, not your address.
Do volunteer firefighters in rural Weld qualify?
Yes. Colorado Champions covers people volunteering with a Colorado fire department or fire protection district.
Nearby county guides: El Paso · City and of Denver · Arapahoe · Jefferson · Adams · Douglas · Larimer · Boulder · Pueblo · Mesa · all counties
Run the check for Weld County
Six questions, no credit check. A lender who offers the program follows up, or call (800) 555-0100.
Start the eligibility check