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CHFA Schools To Home

CHFA Colorado Champions for 911 dispatchers

Colorado 911 dispatchers and emergency communications specialists can get up to $25,000 or 4% in CHFA down payment help through Colorado Champions.

Who qualifies

Colorado Champions covers emergency communications specialists: people whose duties involve receiving, triaging, dispatching or transmitting 911, emergency, non-emergency or public safety communications.

Your lender confirms your duties with employer paperwork, a paystub or a written VOE. A job description from your communications center helps.

CHFA Schools To Home lets full-time Colorado preK-12 public school employees borrow up to 25% of their CHFA first mortgage as a 0% deferred second mortgage, repaid at sale, refinance or payoff plus a share of any appreciation. CHFA Colorado Champions gives first responders a 0% deferred second of up to $25,000 or 4% of the first mortgage, whichever is less, with no shared appreciation. Neither is a grant, and both pair with a 30-year fixed CHFA first mortgage from a participating lender.

Why dispatch is on the list

SB26-053, signed April 17, 2026, wrote emergency communications into the definition of first responders for this CHFA program. That means dispatchers at sheriff's offices, city police and fire agencies, and regional 911 centers can all look at it, as long as the duties match.

The numbers

A 0% deferred second mortgage of up to $25,000 or 4% of the first mortgage, whichever is less. Income limit $196,810 statewide, minimum mid credit score 620, no first-time buyer rule and no purchase price limit.

Paperwork to gather

  • Written VOE or job description showing your communications duties
  • Recent paystubs and two years of W-2s
  • CHFA-approved homebuyer education certificate (each borrower)
  • Bank statements and any gift letter

Questions

Do call-takers count, or only dispatchers?

The definition includes receiving and triaging calls as well as dispatching, so call-takers whose duties match may qualify. Your lender confirms with your employer.

Does it matter which agency I work for?

The rule is about your duties, not the agency type. Your lender documents those duties with your employer.

Can I get more than $25,000?

No. Colorado Champions caps the second at $25,000 or 4% of the first mortgage, whichever is less.

Other eligible jobs

Test your eligibility

Six questions, no credit check. Or call (800) 555-0100.

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