Fact sheet
CHAC Disability Program
OpenColorado 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
Check my eligibility →How the loan works
Colorado Housing Assistance Corporation's disability loan is a 30-year second mortgage at 0% interest (CHAC lists a 1% APR once costs are included). No payments are due during the term. The balance is repaid at the end of 30 years or earlier if you sell or transfer the home. Because there is no monthly bill and no appreciation share, the true cost is simply the original amount borrowed.
Who qualifies?
A buyer must have a permanent disability as Social Security defines it, or have a child with a permanent disability. The loan is available in all areas of Colorado. Income limits differ by county; CHAC's page does not publish the numbers, so ask CHAC directly. First-time buyer status is not stated as a requirement.
Pairing it with CHFA HomeAccess or Schools To Home
CHFA's HomeAccess program serves the same households with a first mortgage and up to $25,000 more, so the two are a natural pair to ask about together; a participating lender confirms whether CHAC's loan can sit behind a HomeAccess first. For a school employee using Schools To Home, the answer is likely no, because that program only allows another provider's grant, and this is a deferred loan.
Because the loan is small and costs nothing month to month, it is usually most useful for closing costs or a gap after a larger first-mortgage program. Families caring for a child with a disability often have extra household expenses, so a deferred balance with no payment can protect monthly cash flow. Keep in mind that $10,000 is the ceiling, not a guaranteed amount; CHAC sets the final figure based on your file and funding source.
How to apply
- Call CHAC to confirm the income limit for your county.
- Gather documentation of the disability under the Social Security definition.
- Choose a lender that works with CHAC and, if you want more help, with CHFA HomeAccess.
- Complete any education and counseling CHAC asks for before closing.
Our assistance types guide explains deferred loans, the El Paso County page covers local options, and you can check eligibility here.
Questions about CHAC Disability Program
How much does the CHAC Disability Program lend?
Up to $10,000.
Are there monthly payments?
No. Payment is deferred for the 30-year term; it is due at maturity or on sale or transfer.
Who counts as having a disability for this loan?
A buyer with a permanent disability under the Social Security definition, or a buyer with a child who has one.
Similar programs
- CHFA HomeAccess / HomeAccess Plus
- CHFA SectionEight Homeownership / SectionEight Homeownership Plus
- CHFA Preferred Very Low Income (VLIP)
- Colorado HFA1 / Colorado HFA1 Plus
- Colorado Roots Down Payment Assistance Fund
- Dearfield Fund Purchase Program
Summarized from the program's official page, November 2026. Money and rules shift; check today's terms with the administrator or a participating lender. Colorado Down Payment Assistance has no tie to this program.
Check this program and the state option together
A lender who offers Colorado programs can compare both against your file. No credit check.
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