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Denver metro / Front Range: listed cities and towns plus unincorporated Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert, Jefferson and Larimer counties

metroDPA: Denver metro down payment assistance for first-time and repeat buyers

Buyers in Denver and much of the Front Range can get a 0% second mortgage of 0%, 3% or 4% of the loan with a metroDPA first mortgage, with income up to $216,000 and no first-time buyer rule.

Fact sheet

metroDPA (Metro Down Payment Assistance)

Open

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

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How metroDPA works

The City and County of Denver sponsors metroDPA for the Metro Mayors Caucus, and eHousingPlus administers it, with U.S. Bank and TMS as master servicers. You take a 30-year fixed first mortgage through an approved lender (FHA, VA, USDA-RD, Fannie Mae HFA Preferred or Freddie Mac HFA Advantage) and add a 0% second sized at 0%, 3% or 4% of the first-mortgage amount under the November 2, 2026 U.S. Bank guide. Daily rate sheets have recently shown 0% or 3% for government loans and lower-income conventional loans, and 2% for conventional loans over 80% of AMI. An EDGE option lets the buyer or seller pay 2 points for a lower rate.

The second is never forgiven. It has no payments and no interest, and it comes due on sale, refinance, payoff or move-out.

Who qualifies for metroDPA?

First-time and repeat buyers both qualify. Income can reach $216,000 for any household size on FHA, VA, USDA and higher-income conventional loans; the lower-income conventional tier is $115,200 in metro counties, $120,000 in Boulder County, $104,320 in Larimer and $102,400 in Weld. Minimum credit is 620 with TMS or 640 with U.S. Bank, and DTI tops out around 50%. There is no price cap beyond loan limits. Every borrower takes homebuyer education, and you must move in within 60 days. Participating areas include Denver, Aurora, Arvada, Lakewood, Thornton, Westminster, Centennial, Littleton, Castle Rock, Parker, Boulder, Longmont, Broomfield, Fort Collins, Loveland, Greeley and unincorporated parts of nine counties.

metroDPA vs. Schools To Home and Colorado Champions

metroDPA and Schools To Home cannot be combined because each needs its own first mortgage. A teacher in Aurora, for instance, picks one: metroDPA's smaller second with no appreciation share, or Schools To Home's second of up to 25% with one. For first responders, a participating lender confirms how metroDPA compares with Champions.

To see the scale, a 3% second on a $380,000 FHA loan would be $11,400, and 4% would be $15,200. Since the percentage offered moves with daily rate sheets, lock in the assistance level with your lender when you lock the rate.

How to apply

Choose an approved metroDPA lender, complete education, and confirm your address is in a participating area before writing an offer. See the Jefferson County guide, our cash-to-close guide, and check eligibility.

County guides for this program: City and County of Denver, Adams County, Arapahoe County, Jefferson County, Douglas County, Boulder County, City and County of Broomfield, Elbert County, Larimer County, Weld County.

Questions about metroDPA (Metro Down Payment Assistance)

Is metroDPA forgiven?

No. It is a 0%, 30-year second with no payments, repaid on sale, refinance, payoff or move-out.

What is the metroDPA income limit?

$216,000 for FHA, VA, USDA and conventional loans over 80% AMI; lower tiers apply to conventional loans at or below 80% AMI.

Can I use metroDPA with CHFA Schools To Home?

No. Each program requires its own first mortgage.

Similar programs

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.

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