Boulder County Down Payment Assistance Program
Deferred second loan · New construction · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jun 2026
Down payment assistance · Colorado
Buying a home in Boulder County, CO
2 county-wide programs, 2 cities with their own, plus 20 statewide and 62 nationwide.Boulder has 2 programs that cover the whole county and 2 cities with a program of their own. On top of those, 20 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BoulderAnywhere in Boulder County
2 programs for every Boulder address2 programs that cover every Boulder address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Boulder, Longmont or Lafayette can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Thistle Communities Land Trust Homeownership Program
Shared-appreciation loan · New construction · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
AMI is HUD’s area median income for Boulder, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Boulder cities with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Boulder marketThe Boulder housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Boulder
- 57.2% single-familysingle-family
- 8.8% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 26% 5+ unitscondo & apartment buildings (5+ units)
- 2.4% mobile & othermobile home & other
Condos count. All 2 county-wide programs and all 5 city programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Boulder’s homes were built
pre-19401970s2020+
41.6%
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
HUD area median income, 4 people (FY2026)HUD area median income, Boulder County, 4-person household (FY2026)
$103,994
Median household income (ACS 2024 5-year)Median household income in Boulder (Census ACS 2024 5-year)
62%
of occupied homes are owner-occupied (Colorado: 66.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 29 of the 89 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 in BoulderFree help in Boulder
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Boulder County
7 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 7 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.
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Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Boulder County.
Boulder questions
Can I use a county program anywhere in Boulder?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Boulder’s and Longmont’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Boulder County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Boulder programs accept condos?
All 2 county-wide programs and all 5 city programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Boulder?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Boulder County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.