Fort Collins Area Habitat for Humanity Homeownership Program
Forgivable loan · New construction · Income limit 60% of AMI
Single Family
See details Jul 2026
Down payment assistance · Colorado
Buying a home in Larimer County, CO
3 county-wide programs, 2 cities with their own, plus 20 statewide and 62 nationwide.Larimer has 3 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 LarimerAnywhere in Larimer County
3 programs for every Larimer address3 programs that cover every Larimer address
All 3 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Fort Collins, Estes Park or Loveland can use them. All 3 are for first-time homebuyers and ask for a homebuyer class.
Habitat for Humanity Loveland-Berthoud Homeownership Program
Forgivable loan · New construction · Income limit 60% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Larimer Home Ownership Program (LHOP) Down Payment Assistance Program
Deferred second loan · New construction · Income limit 80% of AMI
Single-family detached, Townhome, Condominium
See details Jul 2026
AMI is HUD’s area median income for Larimer, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
2 cities with their own program2 Larimer cities with their own program
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
The Larimer marketThe Larimer housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Larimer
- 64.4% single-familysingle-family
- 7.6% townhousetownhouse
- 6% 2–4 units2–4 units
- 18.7% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
Condos count. 2 of the 3 county-wide programs and all 2 city programs list condos as eligible. Fort Collins Area Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Larimer’s homes were built
pre-19401970s2020+
31.9%
of Larimer 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.
$130,400
HUD area median income, 4 people (FY2026)HUD area median income, Larimer County, 4-person household (FY2026)
$93,765
Median household income (ACS 2024 5-year)Median household income in Larimer (Census ACS 2024 5-year)
64%
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. 28 of the 87 programs here set their income limit as a share of Larimer County’s area median income, adjusted for household size. See the published limits for Larimer County
Free help in LarimerFree help in Larimer
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Larimer County
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Larimer County.
7 cities and placesA to Z
All cities in Larimer CountyAll 7 cities and places in Larimer County
has a program of its own
Larimer questions
Can I use a county program anywhere in Larimer?
The 3 county-wide programs cover homes anywhere in the county. City programs, like Estes Park’s and Fort Collins’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 Larimer 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 Larimer programs accept condos?
2 of the 3 county-wide programs and all 2 city programs list condos as eligible. Fort Collins Area Habitat for Humanity Homeownership Program lists single family. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Larimer?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Larimer 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.