Deferred second loan
City of Fort Collins Homebuyer Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Larimer County
Buying a home in Fort Collins, CO
2 Fort Collins programs, 2 county programs and 20 statewide.Fort Collins has 2 programs of its own, 2 more across Larimer 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 Fort Collins addresses
Fort Collins’s own programs
Forgivable loan
Fort Collins Area Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in LarimerAnywhere in Larimer County
2 county programs2 county programs a Fort Collins homebuyer can also use
1 more program is for homes in Estes Park. See them 1 program in neighboring cities — for homes inside those cities, not Fort Collins
- Estes Park — Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program
The Fort Collins marketThe Fort Collins housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Fort Collins
- 52.2% single-familysingle-family
- 8.2% townhousetownhouse
- 8.7% 2–4 units2–4 units
- 28.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
Condos count. 3 of Fort Collins’s 4 local and county programs accept condos. 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 Fort Collins’s homes were built
pre-19401970s2020+
30.6%
of Fort Collins 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
County area median income, 4 people (HUD)HUD area median income, Larimer County, 4-person household (2026)
$85,070
Fort Collins median household incomeMedian household income in Fort Collins (Census, 2024)
27 of the 86 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 nearbyFree help near Fort Collins
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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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Across Colorado and nationwide
82 statewide & federal programs20 statewide programs, plus federal options
Fort Collins questions
Does Fort Collins have its own down payment program?
Yes, 2: City of Fort Collins Homebuyer Assistance Program and Fort Collins Area Habitat for Humanity Homeownership Program. Each is for homes inside Fort Collins.
Can I use assistance on a condo in Fort Collins?
3 of Fort Collins’s 4 local and county programs accept condos. Fort Collins Area Habitat for Humanity Homeownership Program lists single family. 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 Larimer County?
Each program sets its own. 27 of the programs here set theirs as a share of HUD’s area median income for Larimer 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 Fort Collins?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Fort Collins. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
80521 · 80522 · 80523 · 80524 · 80525 · 80526 · 80527 · 80528 · 80553
Nearby in Larimer
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.