Down payment assistance · Colorado

Buying a home in Colorado

88 programs: 20 statewide, the rest run by counties and 9 cities. What you can use depends on where the home is.88 programs across Colorado: 20 statewide, the rest run by counties and 9 cities. What you can use depends on where the home is.

Free · No SSN · No credit pull

Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Boulder	7	$756,300	$150,000	See Boulder
Larimer	5	$569,100	$130,400	See Larimer
Douglas	4	$713,600	$144,000	See Douglas
Eagle	4	$839,500	$125,600	See Eagle
All 64 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–September 2026.

Anywhere in Colorado

20 statewide programs

Up to $25,000

CHFA SmartStep

Repayable second loan · New construction · Income limits · First-time

See details

Up to $22,000

Federal Home Loan Bank of Topeka Homeownership Set-aside Program (Colorado)

Assistance grant · New construction · Income limits · First-time

See details

Up to $10,000

CHAC Statewide Program - 5 Year Deferral

Deferred second loan · New construction · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

27 HUD-approved counseling agencies in Colorado27 HUD-approved housing counseling agencies in Colorado

All 20 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 20 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in ColoradoArea median income for all 64 counties, and the limit each program sets.See the limits

Colorado questions

What is CHFA SmartStep?

CHFA SmartStep, a repayable second loan for first-time homebuyers (new construction, income limits), open anywhere in Colorado. Its page has the details and a link to the official site.

Which Colorado counties run their own programs?

21 counties of 64 have a county or city program listed, among them Boulder, Larimer, Douglas and Eagle. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Colorado?

Many programs ask for one. 20 of the 20 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Colorado condo?

20 of the 20 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.