metroDPA (CO): Amount, Requirements & How to Apply

metroDPA

Quick answer

metroDPA is a Colorado down payment assistance program from City and County of Denver (sponsor); lender program administered via Stifel / eHousingPlus. It provides not stated (percentage of first mortgage, e.g. 5% of loan amount) as a deferred-payment loan. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

Eligibility notes

Interest-free 30-year deferred second mortgage, due on sale/refi/non-occupancy or at 30 years; requires 30-year fixed first mortgage (FHA/VA/USDA/conventional) from approved lender; 640+ credit; usable across participating Front Range cities and counties, not only Denver; 2026 lender guides posted on eHousingPlus.

Where does metroDPA apply?

This city-level program is available to buyers in Denver. Cities on our site where it applies:

Down payment assistance in Denver

Detail	Program terms
Assistance	not stated (percentage of first mortgage, e.g. 5% of loan amount)
Type	Deferred-payment loan
Minimum credit	Not published on the program page
First-time buyer	See official page
Income limits	Up to $195,600 a year

How does metroDPA work with an FHA loan?

Colorado's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://www.denvergov.org/Government/Agencies-Departments-Offices/Agencies-Departments-Offices-Directory/Department-of-Housing-Stability/Resident-Resources/Affordable-Home-Ownership/metroDPA. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Colorado down payment assistance programs

Frequently asked questions

not stated (percentage of first mortgage, e.g. 5% of loan amount), according to City and County of Denver (sponsor); lender program administered via Stifel / eHousingPlus.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Up to $195,600 a year

Sources

Data last updated October 25, 2026.

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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.