Impact Development Fund Routt County DPA Program
Deferred second loan · New construction · Income limit 120% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Down payment assistance · Colorado
Buying a home in Routt County, CO
2 county-wide programs, plus 20 statewide and 62 nationwide.Routt has 2 programs that cover the whole county. 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 RouttAnywhere in Routt County
2 programs for every Routt address2 programs that cover every Routt 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 Steamboat Springs or Hayden can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Yampa Valley Housing Authority Down Payment Assistance Program
Deferred second loan · New construction · Income limit 150% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
AMI is HUD’s area median income for Routt, adjusted for household size. Each program publishes its own dollar limits.
The Routt marketThe Routt housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Routt
- 52.2% single-familysingle-family
- 12% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 25.1% 5+ unitscondo & apartment buildings (5+ units)
- 5.1% mobile & othermobile home & other
Condos count. All 2 county-wide programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Routt’s homes were built
pre-19401970s2020+
31.3%
of Routt 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.
$138,700
HUD area median income, 4 people (FY2026)HUD area median income, Routt County, 4-person household (FY2026)
$106,489
Median household income (ACS 2024 5-year)Median household income in Routt (Census ACS 2024 5-year)
76%
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. 25 of the 84 programs here set their income limit as a share of Routt County’s area median income, adjusted for household size. See the published limits for Routt County
Free help in RouttFree help in Routt
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
2 cities and placesA to Z
All cities in Routt CountyAll 2 cities and places in Routt County
Routt questions
Can I use a county program anywhere in Routt?
The 2 county-wide programs cover homes anywhere in the county. City programs 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 Routt 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 Routt programs accept condos?
All 2 county-wide programs list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Routt?
HUD-approved housing counseling agencies teach homebuyer classes. 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.