Shared-appreciation loan
House to Homeownership (H2O) Down Payment Assistance Loan Program
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium (market-rate, owner-occupied)
Down payment assistance · Boulder County
Buying a home in Boulder, CO
5 Boulder programs, 1 county program and 20 statewide.Boulder has 5 programs of its own, 1 more across Boulder County, and 20 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Boulder addresses
Boulder’s own programs
Deferred second loan
House to Homeownership Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Deferred second loan
Middle Income Down Payment Assistance (MIDPA) Pilot Program
First-time homebuyers · New construction · Income limits · Single-family detached · Townhome · Condominium (market-rate, owner-occupied)
Assistance grant
Solution Grant Down Payment Assistance
First-time homebuyers · New construction · Income limits · Permanently Affordable single-family detached · Townhome · Condominium
Shared-appreciation loan
Thistle Communities Land Trust Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Anywhere in BoulderAnywhere in Boulder County
1 county program1 county program a Boulder homebuyer can also use
1 more program is for homes in Longmont. See them 1 program in neighboring cities — for homes inside those cities, not Boulder
- Longmont — City of Longmont Down Payment Assistance Program
The Boulder marketThe Boulder housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Boulder
- 38.7% single-familysingle-family
- 7.7% townhousetownhouse
- 8.5% 2–4 units2–4 units
- 43% 5+ unitscondo & apartment buildings (5+ units)
- 2% mobile & othermobile home & other
Condos count. All 6 of Boulder’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Boulder’s homes were built
pre-19401970s2020+
55.4%
of Boulder homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$150,000
County area median income, 4 people (HUD)HUD area median income, Boulder County, 4-person household (2026)
$87,493
Boulder median household incomeMedian household income in Boulder (Census, 2024)
28 of the 88 programs here set their income limit as a share of Boulder County’s area median income, adjusted for household size. See the published limits for Boulder County
Free help nearbyFree help near Boulder
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Boulder questions
Does Boulder have its own down payment program?
Yes, 5: House to Homeownership (H2O) Down Payment Assistance Loan Program, House to Homeownership Down Payment Assistance, Middle Income Down Payment Assistance (MIDPA) Pilot Program, Solution Grant Down Payment Assistance and Thistle Communities Land Trust Homeownership Program. Each is for homes inside Boulder.
Can I use assistance on a condo in Boulder?
All 6 of Boulder’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Boulder County?
Each program sets its own. 28 of the programs here set theirs as a share of HUD’s area median income for Boulder County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Boulder?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Boulder. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
80301 · 80302 · 80303 · 80304 · 80305 · 80306 · 80307 · 80308 · 80309 · 80310 · 80314 · 80321 · 80322 · 80323 · 80328 · 80329
Nearby in Boulder
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.