Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Colorado down payment assistance programs

Quick answer

Colorado buyers can get down payment help from Colorado Housing and Finance Authority. We verified 3 statewide programs, including CHFA Down Payment Assistance Grant (Up to the lesser of $25,000 or 3% of your first mortgage). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Colorado offer?

ProgramAmountTypeMin. creditFirst-time only?
CHFA Down Payment Assistance GrantUp to the lesser of $25,000 or 3% of your first mortgageGrant (no repayment)Not statedSee program
CHFA Down Payment Assistance Second Mortgage LoanUp to the lesser of $25,000 or 4% of your first mortgageDeferred-payment loanNot statedSee program
metroDPAnot stated (percentage of first mortgage, e.g. 5% of loan amount)Deferred-payment loanNot statedSee program

How do I apply for Colorado down payment assistance?

  1. Find a participating lender approved by Colorado Housing and Finance Authority.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Colorado

DenverColorado SpringsAuroraFort CollinsLakewoodThorntonArvadaWestminsterPuebloGreeley

Other states with verified programs

AlabamaArkansasCaliforniaConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinoisIowa

Frequently asked questions

CHFA Down Payment Assistance Grant: Up to the lesser of $25,000 or 3% of your first mortgage; CHFA Down Payment Assistance Second Mortgage Loan: Up to the lesser of $25,000 or 4% of your first mortgage; metroDPA: not stated (percentage of first mortgage, e.g. 5% of loan amount).

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

Find a lender for Colorado assistance

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.