Shared-appreciation loan
Colorado Community Land Trust (CCLT) Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Denver County
Buying a home in Denver, CO
1 Denver program and 20 statewide.Denver has 1 program of its own, 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 Denver addresses
Denver’s own program
The Denver marketThe Denver housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Denver
- 40.5% single-familysingle-family
- 8.8% townhousetownhouse
- 5.1% 2–4 units2–4 units
- 45.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
Condos count. Denver’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Denver’s homes were built
pre-19401970s2020+
55.5%
of Denver 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.
$144,000
County area median income, 4 people (HUD)HUD area median income, Denver County, 4-person household (2026)
$94,718
Denver median household incomeMedian household income in Denver (Census, 2024)
24 of the 83 programs here set their income limit as a share of Denver County’s area median income, adjusted for household size. See the published limits for Denver County
Free help nearbyFree help near Denver
14 HUD-approved counseling agencies within 15 miles14 HUD-approved housing counseling agencies within 15 miles
Denver’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Colorado Community Land Trust (CCLT) Homeownership Program asks 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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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Denver questions
Does Denver have its own down payment program?
Yes, one: Colorado Community Land Trust (CCLT) Homeownership Program, a shared-appreciation loan for first-time homebuyers (new construction, income limits). It is for homes inside Denver.
Can I use assistance on a condo in Denver?
Denver’s one local program accepts 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 Denver County?
Each program sets its own. 24 of the programs here set theirs as a share of HUD’s area median income for Denver 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 Denver?
HUD-approved housing counseling agencies teach homebuyer classes, and 14 agencies are within 15 miles of Denver. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
80201 · 80202 · 80203 · 80204 · 80205 · 80206 · 80207 · 80208 · 80209 · 80210 · 80211 · 80212 · 80214 · 80215 · 80216 · 80217 · 80218 · 80219 · 80220 · 80221 · 80222 · 80223 · 80224 · 80225 · 80226 · 80227 · 80228 · 80229 · 80230 · 80231 · 80232 · 80233 · 80234 · 80235 · 80236 · 80237 · 80238 · 80239 · 80241 · 80243 · 80244 · 80246 · 80248 · 80249 · 80250 · 80251 · 80252 · 80254 · 80255 · 80256 · 80257 · 80259 · 80260 · 80261 · 80262 · 80263 · 80264 · 80265 · 80266 · 80270 · 80271 · 80273 · 80274 · 80275 · 80279 · 80280 · 80281 · 80285 · 80290 · 80291 · 80292 · 80293 · 80294 · 80295 · 80299
Nearby in Denver
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.