Down payment assistance in Colorado: every program (2026)

Colorado Housing and Finance Authority (CHFA)

Buyers

Buyers living with a permanent disability, or custodial parents/legal guardians of a child or individual with a permanent disability who lives in the home at least 50% of the time

Amount

Optional 0% silent second up to $25,000 regardless of first-mortgage amount

Form

Deferred loan, repaid later

Income cap

$178,920 statewide, any household size

Price cap

None stated; max loan lower of $832,750 or FHA/VA/USDA limit

First-time only

No

Pairs with CHFA Schools To Home

no - separate CHFA first-mortgage program (FHA/VA/USDA-RD); choose it instead of Schools To Home

Matrix effective Aug 3, 2026. Second due on sale, refinance or if no longer primary residence. HomeAccess seconds cannot be subordinated on a later refinance.

Checked November 2026 · method

Colorado Housing and Finance Authority (CHFA)

Buyers

Housing Choice Voucher (Section 8) participants converting to homeownership; first-time buyers or qualified veterans

Amount

Optional grant up to lesser of $25,000 or 3% of first mortgage, or 0% deferred second up to lesser of $25,000 or 4%

Form

Grant

Income cap

$178,920 statewide

Price cap

None; max loan lower of $832,750 or FHA/USDA limit

First-time only

Yes

Pairs with CHFA Schools To Home

no - separate CHFA first-mortgage program

FHA and USDA-RD only; only HomeAccess/SectionEight-certified loan officers. Matrix effective Aug 3, 2026.

Checked November 2026 · method

Colorado Housing and Finance Authority (CHFA)

Buyers

Very-low-income buyers using a Freddie Mac conventional loan

Amount

Optional 0% silent second up to lesser of $25,000 or 4% of first mortgage

Form

Deferred loan, repaid later

Price cap

None; max loan lower of $832,750 or Freddie Mac limit

First-time only

No

Pairs with CHFA Schools To Home

no - separate CHFA first-mortgage program

Matrix effective Jan 5, 2026; $1,000 minimum borrower contribution (gift allowed). Income limits published separately by CHFA (not captured).

Checked November 2026 · method

Colorado Housing and Finance Authority (CHFA)

Buyers

Any qualifying buyer (FHA, VA, USDA-RD, Fannie Mae or Freddie Mac first mortgage)

Amount

Optional 0% silent second up to lesser of $25,000 or 4% of first mortgage

Form

Deferred loan, repaid later

Income cap

$178,920 statewide

Price cap

None; max loan lower of $832,750 or agency limit

First-time only

No

Pairs with CHFA Schools To Home

no - separate CHFA first-mortgage program

Matrix effective Aug 3, 2026; permanent buydown allowed on government loans.

Checked November 2026 · method

Impact Development Fund (IDF), nonprofit CDFI

Buyers

First-time or first-generation buyers purchasing a primary residence in a city/county with a committed Proposition 123 filing with the Colorado Division of Housing

Amount

Up to 10% of purchase price, max $50,000

Form

Deferred loan, repaid later

Income cap

50%-120% of HUD AMI for the county, by household size

First-time only

Yes

Pairs with CHFA Schools To Home

unknown - it is a shared-equity second lien, not a grant; Schools To Home bars other subordinate financing except another provider's DPA grant (CHFA FAQ)

No monthly payments; repaid at sale/transfer/payoff with pro-rata share of appreciation (e.g. 10% DPA = 10% of appreciation). Max DTI 38/45. Lawful presence verification not required. Eligible jurisdictions list (Aug 2026) includes Denver, Colorado Springs, Boulder, Aurora, Pueblo city/county, Grand Junction, Mesa County, Larimer County, Fort Collins, Loveland, Greeley, Adams, Arapahoe, Jefferson, Douglas, Broomfield, Eagle, Summit, Garfield, La Plata, Delta, Montrose and many towns; El Paso, Weld, Elbert and Fremont counties themselves were not listed (only some of their towns, e.g. Colorado Springs, Greeley, Canon City, Florence). Service area: https://impactdf.org/wp-content/uploads/2026/08/IDF-Program-Service-Area-Colorado-Roots-Down-Payment-Assistance-Fund-August-2026.pdf

Checked November 2026 · method

Dearfield Fund (administered by Impact Development Fund)

Buyers

First-time buyers who currently live in a Colorado low- or moderate-income census tract (FFIEC tract median family income at or below 80% AMI), buying anywhere in Colorado

Amount

Up to 20% of purchase price, max $50,000 (up to $10,000 may buy down the rate)

Form

Deferred loan, repaid later

Income cap

150% of HUD median family income for the property's area, by household size

Price cap

FHFA baseline conforming loan limit (high-cost county limits not used)

First-time only

Yes

Pairs with CHFA Schools To Home

no - requires a Fannie Mae conventional or portfolio first; Schools To Home is a Fannie Mae CHFA loan but Dearfield is a shared-appreciation loan, not a grant

Not compatible with FHA, VA, RD or Freddie Mac. Repay principal only if paid off within 18 months; after that principal plus lower of 8% or pro-rata share of appreciation. Elevation CLT and Habitat deed-restricted homes eligible. Max DTI 48%. U.S. citizen or permanent resident. Guidelines revised Sept/Oct 2026 (third-party summaries describing it as limited to Black homebuyers appear outdated).

Checked November 2026 · method

Colorado Housing Assistance Corporation (CHAC), nonprofit

Buyers

Low-to-moderate income buyers statewide (limits vary by county and funding source)

Amount

6% of sales price or appraised value (lesser), $5,000-$12,000

Form

Loan with monthly payments

Price cap

Sales price limit may apply (not stated)

Pairs with CHFA Schools To Home

unknown - amortizing second; Schools To Home bars other subordinate financing except another provider's DPA grant (CHFA FAQ)

0% and no payments for first 5 years, then 25 years of payments at 5%. CHAC's 'Immediate Payback' statewide version was temporarily suspended effective 10/1/2026. First-time homebuyer class plus CHAC counseling session required; non-occupant co-borrowers not allowed.

Checked November 2026 · method

Colorado Housing Assistance Corporation (CHAC), nonprofit

Buyers

Buyers with a permanent disability (Social Security definition) or with a child with a permanent disability; all areas of Colorado

Amount

Up to $10,000

Form

Deferred loan, repaid later

Income cap

Varies by county (not published on page)

Pairs with CHFA Schools To Home

unknown - deferred loan, not a grant; Schools To Home bars other subordinate financing except another provider's DPA grant (CHFA FAQ)

0% interest (1% APR), 30-year term, payment deferred 30 years, due on sale or transfer. Pairs naturally with CHFA HomeAccess.

Checked November 2026 · method

Impact Development Fund (IDF)

Buyers

First-time buyers at or below 80% AMI using FirstBank for the first mortgage, in FirstBank's Colorado trade area

Amount

Conflicting: IDF county pages say up to 20% of price or $30,000 (lesser); the linked product guideline says 5% or $20,000 (lesser) at 6% over 15 years

Form

Loan with monthly payments

Income cap

80% of HUD AMI

First-time only

Yes

Pairs with CHFA Schools To Home

no - requires a FirstBank first mortgage

Guideline PDF: https://impactdf.org/wp-content/uploads/2018/07/FP-Down-Payment-Assistance-Loan-Product-Guideline-new.pdf (undated, in a 2018 upload folder). Confirm terms with IDF (970-494-2021) before publishing amounts.

Checked November 2026 · method

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

City and County of Denver

Buyers

First-time AND first-generation buyers (borrower and spouse, including non-purchasing spouse, must be first-time) buying a primary residence in Denver; min FICO 620; max DTI 38%/43%

Amount

$30,000, not to exceed 20% of purchase price

Form

Deferred loan, repaid later

Income cap

Household-size limits: $100,800 (1) to $144,000 (4) to $190,100 (8); annualized whole-household income, assets verified

Price cap

None (FHA loan limits apply)

First-time only

Yes

Conditions

FHA first mortgage only through the metroDPA TMS program; homeownership counseling from a housing counseling agency; NSPIRE inspection within 90 days of loan commitment

Launched 09/01/2026. 0% 30-year deferred second, not forgiven. Guidelines: https://www.ehousingplus.com/wp-content/uploads/metroDPA-denFirstGen-Final-Guide-TMS-09-14-26b.pdf

Checked November 2026 · method

City and County of Denver

Buyers

Households buying a deed-restricted affordable home sold below market

Amount

Below-market purchase price (no cash assistance)

Form

shared equity / deed-restricted resale

Income cap

Minimum 50% AMI; maximum 80%-120% AMI by household size depending on the home (HUD HOME limits)

Price cap

Set per affordable home

Conditions

Personal assets may not exceed 1.5x the home's maximum initial sales price; gifts capped at 20% of price; income pre-qualification valid 6 months

Contact affordablehousing@denvergov.org, 720-913-1634.

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

City of Boulder

Buyers

First-time buyers (no ownership in 3 years) who have worked in the city of Boulder at least one year, buying a market-rate home in Boulder city limits

Amount

Up to $100,000

Form

deferred (shared appreciation)

Income cap

150% AMI: $157,500 (1) / $180,000 (2) / $202,500 (3) / $225,000 (4); assets max about 1x income limit

First-time only

Yes

Conditions

City orientation and homebuyer education; one household member working 30 hrs/week; min $2,000 own funds; max DTI 45%; owner-occupied

0% interest, no payments for 30 years; repay principal plus a share of appreciation equal to the loan's share of price (e.g. 15% loan = 15% of appreciation). Funds limited, first-come first-served. Not for use with permanently affordable homes.

Checked November 2026 · method

City of Boulder

Buyers

Lower-asset buyers of select Permanently Affordable or Thistle Communities land trust homes in Boulder city limits

Amount

Up to 5% of purchase price

Form

Grant

Income cap

HUD+10 (81.2% AMI): $85,260 (1) to $121,800 (4); assets generally under $15,000

Price cap

Eligible homes only

Conditions

May not own another home; orientation and homebuyer education; one member working 30 hrs/week; min $2,000 own funds; max DTI 42%; covenant restrictions

Grant bridges the gap between buyer's funds and minimum needed to close; funds limited, first-come first-served.

Checked November 2026 · method

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

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

All of El Paso County including the City of Colorado Springs

Buyers

Any buyer (no first-time requirement) using a PPDPA first mortgage

Amount

Up to 5% of loan as 0% soft second

Form

Forgivable loan

Income cap

$178,920 for FHA/VA/USDA; $92,560 for Freddie Mac conventional

Price cap

None

First-time only

No

Conditions

Participating lender; 30-year fixed FHA, VA, USDA or Freddie Mac HFA Advantage; max DTI 45% (640+) or 50% (680+); homebuyer education required for first-time buyers on Freddie loans; no refinances

50% forgiven pro rata over first 60 months, remaining 50% forgiven at 30 years; due on sale/refinance. Not a bond program, so no recapture tax. Funds 'continuously available until further notice.' Linked from the City of Colorado Springs housing resources page. Cannot be combined with CHFA Schools To Home (needs its own first mortgage). See Hometown Heroes add-on under occupation_specific.

Checked November 2026 · method

City of Colorado Springs and El Paso County

Buyers

First-time buyers (no ownership in 3 years) at or below 80% AMI

Amount

Land-trust model lowers purchase cost (shared investment in land)

Form

shared equity (community land trust)

Income cap

80% AMI El Paso County: $65,200 (1) to $93,100 (4) to $108,000 (6)

First-time only

Yes

Conditions

CHFA-certified homebuyer workshop; conventional 30-yr fixed first for 70-80% of price via RMCLT lenders; contribute greater of 1% or $1,000; U.S. citizen or legal status

The City's Community Development Division says its HOME-funded homebuyer assistance runs through RMCLT and Pikes Peak Habitat for Humanity (https://coloradosprings.gov/single-family-housing); the city lists no direct cash DPA of its own. RMCLT eligibility page updated 06/18/2026.

Checked November 2026 · method

Douglas County

Buyers

First-time buyers (HUD definition) at or below 80% AMI; preference for those living or working in Douglas County

Amount

Amortizing option: $15,000 second at 3% for 30 years (about $63.24/month); other DPA amounts not stated

Form

Loan with monthly payments

Income cap

80% AMI

Price cap

$556,000

First-time only

Yes

Conditions

Typically 1% of price own funds, minimum $1,000; property must meet HUD guidelines; homebuyer education

Amortizing loan page: https://douglascountyhousingpartnership.org/amortizing-loan-program/

Checked November 2026 · method

City and County of Broomfield

Buyers

Low-to-moderate income first-time buyers

Amount

Up to 10% of sale price

Form

Deferred loan, repaid later

Income cap

2026: market-rate homes $120,960 (1) / $138,240 (2) / $155,520 (3) / $172,800 (4); affordable homes $80,640 (1) to $115,200 (4)

First-time only

Yes

Conditions

Buyer contributes greater of $1,000 or 1%; ratios max 35% housing / 45% DTI; lender contacts CHAC

0% simple interest, 30-year deferred, due at maturity, sale or transfer. Flyer dated May 2026.

Checked November 2026 · method

City 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

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

Eagle County

Buyers

Residents who live and work in Eagle County

Amount

ECLF shared-equity: up to 5% of price (conventional/RD/VA); ECLF FHA: up to 5%, max $42,500; ERHC (Eagle Ranch only): up to $10,000

Form

deferred (shared equity) or amortizing

Price cap

$850,000 for ECLF shared-equity loan

Conditions

Borrower contributes at least 1% (shared-equity) or 50% of loan amount/min $3,000 (FHA); counseling with The Valley Home Store before applying

ECLF FHA loan: 15 years at 2.5% with monthly payments. ERHC: 15-year 2.5% deferred balloon. Shared-equity loan interest-free if repaid within 24 months.

Checked November 2026 · method

Eagle County

Buyers

Households at or below 80% AMI

Amount

Up to 4.5% of purchase price, max $40,000

Form

Loan with monthly payments

Income cap

80% AMI

Conditions

Min contribution greater of 1% or $1,000; meet with Eagle County Housing staff first

30-year 2.5% simple interest; payments can be deferred for the first 60 months on approval.

Checked November 2026 · method

Summit 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

Garfield County, plus El Jebel area of unincorporated Eagle County and the Town of Basalt

Buyers

Employed buyers working 30+ hrs/week who own no other real estate

Amount

3% of purchase price up to $15,000

Income cap

150% AMI (conventional, RD, VA) or 115% AMI (FHA), by household size

Price cap

None

First-time only

No

Conditions

Min investment greater of 1% or $2,000; max DTI 45%; can be combined with other DPA

Guidelines revised 11/2024; repayment terms not captured.

Checked November 2026 · method

Mesa, Montrose, Delta and Garfield counties

Buyers

Buyers of a primary residence (eligibility details not on page)

Form

Deferred loan, repaid later

Conditions

Contact agency; homebuyer education offered free

0% interest, no monthly payment; due at end of term, sale or change in primary residence. Agency's affordable new-build listings in Grand Junction advertise up to $105,000 DPA for eligible buyers.

Checked November 2026 · method

La Plata, Montezuma, Archuleta, San Juan and Dolores counties

Buyers

Income-qualified buyers in southwest Colorado

Amount

About $15,000 to over $100,000 depending on income and county

Form

deferred (shared appreciation)

Income cap

Varies by county and household income (2026 limits on HomesFund site, not captured)

Conditions

HomesFund homebuyer class, complete application, budget review and counseling session required

No monthly payments for life of loan; due in 30 years or at sale, transfer, cash-out refi or move-out, with pro-rata share of appreciation.

Checked November 2026 · method

Pueblo area (Pueblo-based NeighborWorks affiliate)

Buyers

Buyers within program income limits

Conditions

Homebuyer education through NWSOCO

Funded by state, federal or private sources; DPA or lower-rate secondary financing to cut or eliminate mortgage insurance. Amounts, limits and service area not published. City of Pueblo lists no city-run DPA (CDBG used for repairs).

Checked November 2026 · method

West end of Montrose County (Nucla/Naturita) and the Telluride service area

Buyers

Buyers working full time in the Telluride Service Area (San Miguel, Ouray, west Montrose, Rico) for 12+ months

Amount

Up to 20% of price (max $30,000 in Nucla/Naturita)

Form

deferred (shared equity)

Income cap

Up to 150% AMI

Price cap

$300,000

Conditions

Primary residence; homebuyer education

Repaid at sale or refinance with shared appreciation unless repaid within 36 months.

Checked November 2026 · method

El Paso County incl. Colorado Springs

Buyers

Full-time K-12 public/charter/private school staff (teachers, aides, nurses, bus drivers, custodians, etc.), firefighters, EMTs, police, corrections, dispatchers, nurses (RN/LPN/NP), CNAs, hospital employees and other healthcare workers; veterans and active military (full-time rule waived)

Amount

Extra 1% of loan amount as a non-repayable grant on top of PPDPA's up-to-5% forgivable second

Form

Grant

Offered for the first 75 loans to close; must be used with the PPDPA first mortgage. Remaining count not published.

Checked November 2026 · method

Greeley University and Redevelopment Districts, Weld County

Buyers

Full-time employees of Greeley-based employers incl. University of Northern Colorado, Weld School District 6, Banner Health/NCMC, City of Greeley

Amount

Up to $8,000 by location (+$1,500 for university employees in the University District)

Form

Forgivable loan

Forgiven 20%/year over 5 years; no income limit; single-family homes only.

Checked November 2026 · method

La Plata, Montezuma, Archuleta, Dolores and San Juan counties

Buyers

Permanent full-time Fort Lewis College employees with 1+ year of service

Amount

Lesser of $70,000 or 20% of price; lower-income staff may stack with HomesFund programs up to $125,000

Form

deferred (shared appreciation)

Income up to 150% AMI; not first-time only but may not own other residential property; in-person homebuyer education; eligibility letter from FLC HR.

Checked November 2026 · method

Mountain/Western Slope employers (Eagle, Garfield, Pitkin, Summit, Gunnison counties)

Buyers

Employees of participating employers: Town of Carbondale, City of Glenwood Springs, Eagle County, Town of Eagle, Colorado River Water Conservation District, Pitkin County, Town of Vail, Eagle River Water & Sanitation District, City of Aspen, Mt. Crested Butte W&S District; Town of Dillon (Summit) has its own EHOP

Employer-specific DPA administered by Impact Development Fund; terms set per employer. Participating-employer PDF sits in a 2018 upload folder, so the list may be stale. Covers municipal police/fire only if employed by a participating town/county.

Checked November 2026 · method

City of Boulder

Buyers

First-time buyers who have worked in the city of Boulder for 1+ year (any occupation, incl. BVSD, CU, hospital, police and fire staff)

Amount

Up to $100,000

Form

deferred (shared appreciation)

Listed here because eligibility is tied to local employment; full details under local.

Checked November 2026 · method