Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in Columbine, CO

Quick answer

First-time buyers in Columbine, CO can use 3%-down conventional loans (up to the $862,500 Jefferson County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 2 verified city, county or statewide assistance programs. On the $590,600 median home, 3% down is about $17,718 and the estimated payment is $4,567/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $129,480; value-to-income ratio 4.56. Columbine ranks 26 by home value and 34 by population among 70 places in our CO dataset.

What does a first-time buyer loan cost on a typical Columbine home?

ItemColumbine
Median home value (Census ACS)$590,600
Colorado median home value$502,200
Down payment (3%)$17,718
Loan amount$572,882
Estimated monthly payment (PITI + MI)$4,567
Income needed (28% / 36%)$196,000 / $153,000
Jefferson County 2026 conforming limit (1 unit)$862,500
Max purchase price at the limit$889,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Colorado's 0.49% effective property tax rate (Census ACS), $2,492/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Columbine?

Columbine is in Jefferson County. Conventional 3%-down loans go up to the $862,500 conforming limit (price ≈ $889,000); FHA loans go up to $862,500.

The Columbine median home value of $590,600 is 18% above the Colorado median, and within what the county limit supports.

Which down payment assistance programs can Columbine buyers use?

First-time buyer loans in nearby cities

Ken CarylLittletonDakota RidgeEnglewoodHighlands RanchLakewood

First-time buyer loan FAQs for Columbine

On the $590,600 median: 3% conventional ≈ $17,718, 3.5% FHA ≈ $20,671, and 0% for eligible VA or USDA buyers. Conventional loans above $862,500 in Jefferson County become jumbo loans.

At the $590,600 median value (above the Colorado median of $502,200), the estimated payment of $4,567/month at 7.18% needs about $196,000 a year under the 28% housing guideline, or $153,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 2 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in Columbine

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.