Statewide limits (no county lookup needed)
- Schools To Home: $178,920 qualifying income, regardless of county or household size.
- Colorado Champions: $196,810 qualifying income statewide.
- SmartStep and Preferred: $178,920 statewide.
None of these four programs has a purchase price limit. The loan amount is capped at the lower of $832,750 or the loan type's own limit.
FirstStep and FirstGeneration county limits
CHFA FirstStep, its lowest-rate FHA option, and FirstGeneration set gross annual household income limits by county and household size (1-2 people or 3 or more), plus a county purchase price limit. The table shows the non-targeted figures. Some census tracts are targeted areas with different limits; a lender confirms whether your address is one. FirstStep is for first-time buyers, qualified veterans or buyers in targeted areas, and an IRS recapture tax may apply.
Your lender counts qualifying income under the program's rules, which can differ from what's on your tax return.
Limits table
| Area | Income, 1–2 | Income, 3+ | Price cap |
|---|---|---|---|
| Adams County | $144,000 | $165,600 | $832,750 |
| Alamosa County | $153,360 | $178,920 | $692,210 |
| Arapahoe County | $144,000 | $165,600 | $832,750 |
| Archuleta County | $127,800 | $146,970 | $566,350 |
| Baca County | $153,360 | $178,920 | $692,210 |
| Bent County | $153,360 | $178,920 | $692,210 |
| Boulder County | $150,000 | $172,500 | $832,750 |
| Broomfield County | $144,000 | $165,600 | $832,750 |
| Chaffee County | $153,360 | $178,920 | $832,750 |
| Cheyenne County | $127,800 | $146,970 | $566,350 |
| Clear Creek County | $144,000 | $165,600 | $832,750 |
| Conejos County | $153,360 | $178,920 | $692,210 |
| Costilla County | $153,360 | $178,920 | $692,210 |
| Crowley County | $153,360 | $178,920 | $692,210 |
| Custer County | $127,800 | $146,970 | $566,350 |
| Delta County | $153,360 | $178,920 | $692,210 |
| Denver County | $144,000 | $165,600 | $832,750 |
| Dolores County | $127,800 | $146,970 | $566,350 |
| Douglas County | $144,000 | $165,600 | $832,750 |
| Eagle County | $127,800 | $146,970 | $832,750 |
| El Paso County | $127,800 | $146,970 | $566,730 |
| Elbert County | $144,000 | $165,600 | $832,750 |
| Fremont County | $127,800 | $146,970 | $566,350 |
| Garfield County | $127,800 | $146,970 | $832,750 |
| Gilpin County | $144,000 | $165,600 | $832,750 |
| Grand County | $127,800 | $146,970 | $832,750 |
| Gunnison County | $130,800 | $150,420 | $782,110 |
| Hinsdale County | $127,800 | $146,970 | $589,590 |
| Huerfano County | $153,360 | $178,920 | $692,210 |
| Jackson County | $127,800 | $146,970 | $566,350 |
| Jefferson County | $144,000 | $165,600 | $832,750 |
| Kiowa County | $127,800 | $146,970 | $566,350 |
| Kit Carson County | $153,360 | $178,920 | $692,210 |
| La Plata County | $127,800 | $146,970 | $782,110 |
| Lake County | $127,800 | $146,970 | $832,750 |
| Larimer County | $130,400 | $149,960 | $664,190 |
| Las Animas County | $153,360 | $178,920 | $692,210 |
| Lincoln County | $127,800 | $146,970 | $566,350 |
| Logan County | $127,800 | $146,970 | $566,350 |
| Mesa County | $127,800 | $146,970 | $566,350 |
| Mineral County | $153,360 | $178,920 | $692,210 |
| Moffat County | $127,800 | $146,970 | $832,750 |
| Montezuma County | $153,360 | $178,920 | $692,210 |
| Montrose County | $127,800 | $146,970 | $566,350 |
| Morgan County | $127,800 | $146,970 | $566,350 |
| Otero County | $153,360 | $178,920 | $692,210 |
| Ouray County | $127,800 | $146,970 | $785,720 |
| Park County | $144,000 | $165,600 | $832,750 |
| Phillips County | $127,800 | $146,970 | $566,350 |
| Pitkin County | $142,100 | $163,410 | $832,750 |
| Prowers County | $153,360 | $178,920 | $692,210 |
| Pueblo County | $153,360 | $178,920 | $692,210 |
| Rio Blanco County | $127,800 | $146,970 | $566,350 |
| Rio Grande County | $153,360 | $178,920 | $692,210 |
| Routt County | $138,700 | $159,500 | $832,750 |
| Saguache County | $153,360 | $178,920 | $692,210 |
| San Juan County | $153,360 | $178,920 | $692,210 |
| San Miguel County | $131,100 | $150,760 | $832,750 |
| Sedgwick County | $127,800 | $146,970 | $566,350 |
| Summit County | $145,800 | $167,670 | $832,750 |
| Teller County | $127,800 | $146,970 | $566,730 |
| Washington County | $127,800 | $146,970 | $566,350 |
| Weld County | $153,600 | $179,200 | $735,320 |
| Yuma County | $153,360 | $178,920 | $692,210 |
![Six questions, roughly two minutes.](/eligibility-check">Check your eligibility</a>.</div><p class="al-fine">Source: CHFA Home Finance Program Income Limits (FirstStep/FirstGeneration non-targeted gross annual income limits by household size and non-targeted purchase price limits; Schools To Home $178,920 and Colorado Champions $196,810 are statewide), effective November 2, 2026 (doc 10/26.v24). Caps are revised from time to time; the lender works from the current table.</p><div class="al-note pine" style="margin-top:28px"><h3 style="margin-top:0">Compare your income to the cap</h3><p>The eligibility check applies your county and household size automatically.</p><a class="al-btn" href="/eligibility-check">Start the eligibility check</a></div></article></div></div></main>
<footer class="al-foot"><div class="al-w">
<div class="r1"><a class="al-mark" href="/"><svg viewBox="0 0 40 40" width="36" height="36" aria-hidden="true"><rect x="0.5" y="0.5" width="39" height="39" rx="8" fill="#1f4d3a"/><circle cx="28.5" cy="11.5" r="3.6" fill="#d9a521"/><path d="M4 31l10.5-15.5 5.6 8.2 4-5.4L36 31z" fill="#f7f9f8"/><path d="M14.5 15.5l-3.4 5 2-1.1 1.4 1.6 1.6-1.7 1.6.9z" fill="#1f4d3a" opacity=".22"/><path d="M4 31h32" stroke="#9fb7ab" stroke-width="1.4"/></svg><span><b>Colorado Down Payment Assistance</b></span></a><nav aria-label="Footer"><a href="/down-payment-assistance/">All programs</a><a href="/match-programs">Program match</a><a href="/colorado-limits">Income & price limits</a><a href="/colorado-county-guides/">County guides</a><a href="/colorado-city-programs/">City programs</a><a href="/qualifying-careers/">Eligible jobs</a><a href="/home-budget">Home budget</a><a href="/repayment-estimator">Repayment calculator</a><a href="/colorado-funding-status">Program status</a><a href="/colorado-buyer-checklist">Buyer checklist</a><a href="/guides/">Guides</a><a href="/self-employed-colorado">Self-employed buyers</a><a href="/gig-income-colorado">Gig-income buyers</a><a href="/sources-and-methods">Sources & methods</a><a href="/privacy">Privacy</a><a href="tel:+18005550100">(800) 555-0100</a></nav></div>
<div class="r2">
<p><strong>Independent guide. Not a government agency and not connected to the Colorado Housing and Finance Authority (CHFA).</strong> We do not lend money or approve loans. We pass requests to licensed mortgage lenders that take part in Colorado homebuyer programs.</p>
<p>Each program sets and changes its own rates, income caps and price caps. Figures here come from public program documents as of November 2026 and are not an offer of credit. Equal Housing Opportunity. © 2026 Boss Leads.</p>
</div>
</div></footer>
<div class="alpchat" id="alpchat">
<div class="alpcard" id="alpcard" role="dialog" aria-label="Message Julie">
<div class="alphead"><img class="alpface" src="/img/advisor.jpg" width="88" height="88" alt="Julie, Colorado down payment assistance guide">
<div><span class="alpnm">Julie</span><span class="alprl"><i></i>Colorado program guide</span></div>
<button class="alpx" id="alpx" type="button" aria-label="Close">×</button></div>
<div class="alpbody">
<div class="alpgreet">Julie here. <strong>See if you){kind=link}
Pick the job closest to yours:
Start the checkNo cost · No credit check · Nothing to sign