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Down payment assistance income limits in Colorado

89 down payment assistance programs in Colorado publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Colorado county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Colorado
CountyPublished4-person median
Adams2026$144,000
Alamosa2026$69,600
Arapahoe2026$144,000
Archuleta2026$98,300
Baca2026$70,600
Bent2026$67,100
Boulder2026$150,000
Broomfield2026$144,000
Chaffee2026$111,100
Cheyenne2026$84,500
Clear Creek2026$144,000
Conejos2026$75,700
Costilla2026$52,800
Crowley2026$69,500
Custer2026$85,600
Delta2026$78,600
Denver2026$144,000
Dolores2026$88,100
Douglas2026$144,000
Eagle2026$125,600
El Paso2026$116,400
Elbert2026$144,000
Fremont2026$87,700
Garfield2026$114,100
Gilpin2026$144,000
Grand2026$123,600
Gunnison2026$130,800
Hinsdale2026$87,500
Huerfano2026$71,000
Jackson2026$97,400
Jefferson2026$144,000
Kiowa2026$76,900
Kit Carson2026$89,000
La Plata2026$114,700
Lake2026$124,600
Larimer2026$130,400
Las Animas2026$74,400
Lincoln2026$87,700
Logan2026$83,000
Mesa2026$100,600
Mineral2026$76,400
Moffat2026$96,100
Montezuma2026$84,800
Montrose2026$89,900
Morgan2026$87,100
Otero2026$68,500
Ouray2026$112,400
Park2026$144,000
Phillips2026$103,100
Pitkin2026$142,100
Prowers2026$72,600
Pueblo2026$87,700
Rio Blanco2026$84,000
Rio Grande2026$87,800
Routt2026$138,700
Saguache2026$63,200
San Juan2026$90,000
San Miguel2026$131,100
Sedgwick2026$78,700
Summit2026$145,800
Teller2026$112,600
Washington2026$93,300
Weld2026$128,000
Yuma2026$92,600

Published limits by program

Published income limits and purchase price caps by program in Colorado
ProgramIncome limitPrice cap
100+ ADVANTAGE LOANLa Plata|Archuleta|Montezuma|San Juan|Dolores|Hinsdale|Mineral|San Miguel$164,640Income $60,900-$164,640 depending on household size; targets 100%+ AMI earners in SW Colorado$640,000
100+ Advantage Loan ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan150% of area median incomeIncome limits vary by household size and county within the 5-county service area. 100+ Advantage tier serves households >100% AMI up to approximately 150% AMI. Per Freddie Mac DPA One: $60,900 (1-person, smallest-county) to $164,640 (large-household, La Plata). Verify current HUD income limits with HomesFund staff.$640,000
Affordability ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan80% of area median income<=80% AMI per HUD county limits. Per Freddie Mac DPA One: $48,720 (1-person, smaller county) to $109,760 (larger-household, La Plata). For example, per City of Durango/DOLA CDBG award, a 4-person household at 80% AMI in La Plata = ~$83,120; 2-person = ~$66,450.$640,000
AFFORDABILITY ProgramLa Plata|Archuleta|Montezuma|San Juan|Dolores|Hinsdale|Mineral|San Miguel$109,760Income $48,720-$109,760 depending on household size; targets below 80% AMI in SW Colorado$640,000
AHIF Affordable Housing Investment FundLa Plata|Archuleta|Montezuma|San Juan|Dolores|Hinsdale|Mineral|San Miguel$137,200Income $60,900-$137,200 depending on household size$640,000
AHIF Affordable Housing Investment Fund ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan100% of area median incomeApproximately 80%-100% AMI band. Per Freddie Mac DPA One: $60,900 (smallest county) to $137,200 (large-household, La Plata). Income limits revisit annually per HUD updates.$640,000
Arapahoe County Down Payment Assistance ProgramArapahoe80% of area median incomeIncome at or below 80% AMI; Arapahoe County—
Aspen/Pitkin County Housing Authority Down Payment AssistanceAspen · Pitkin120% of area median incomeIncome up to 120% AMI; Pitkin County is extremely high-cost; workforce priority—
Bank of Colorado Destination Home - Homeownership Set-aside Program (HSP)Statewide80% of area median incomeAt or below 80% AMI statewide—
Bank of Colorado Destination Home - HOPE (Homeownership Possibilities Expanded)Statewide150% of area median incomeAt or below 150% AMI statewide; broader eligibility than HSP — expanded for workforce buyers—
Bank of Colorado Destination Home - HSP+ High Cost Area ProgramStatewide (high-cost areas)80% of area median incomeAt or below 80% AMI; HUD-designated high-cost areas—
Boulder County Down Payment Assistance ProgramBoulder80% of area median incomeIncome at or below 80% AMI; Boulder County 4-person 80% AMI = ~$116,150 (2025). Rate tier: ≤60% AMI = 0% deferred; 61-80% AMI = 2% amortizing over 30 years$489,000
CHAC Disability ProgramStatewide · Statewide80% of area median incomeIncome limits follow CHAC's standard published tiers (80% AMI by county and household size). Refer to the CHAC Income Limits PDF for full table. CHAC's Disability Program PDF fields are largely blank in the source intake — the program operates as the 5 Year Deferral structure with reduced borrower contribution and disability eligibility overlay.—
CHAC Statewide Program - 5 Year DeferralStatewide · Statewide80% of area median incomePer CHAC Statewide Program Income Limits effective April 7, 2025: 1 person $48,750 / 2 person $55,700 / 3 person $62,650 / 4 person $69,600 / 5 person $75,200 / 6 person $80,750 / 7 person $86,350 / 8 person $91,900. Higher-balance counties scale up to approximately $124,950 (8-person in highest AMI counties). Limits set at 80% HUD AMI by county and household size.—
Chaffee County Habitat for Humanity Homeownership ProgramSalida · Chaffee60% of area median incomeIncome 30-60% AMI; Chaffee County—
Chaffee County Homebuyer Assistance ProgramChaffee100% of area median incomeIncome at or below 80% AMI; Chaffee County—
CHFA Down Payment Assistance GrantStatewide · Statewide$174,440Income limits vary by county and household size effective January 5, 2026. Statewide upper-tier qualifying income cap for CHFA's higher-income SmartStep programs runs up to approximately $174,440 (1-2 person) and $196,140 (3+ person) in higher-cost / targeted counties; lower-tier programs (SmartStep, FirstStep) use roughly $124,600 (1-2 person) cap. Per CHFA Home Finance Program Income Limits effective 1/5/2026.$806,500
CHFA Down Payment Assistance Second Mortgage LoanStatewide · Statewide$174,440CHFA Home Finance Program income limits effective January 5, 2026 vary by county, household size, and whether the property is in a targeted or non-targeted area. Lower-income programs (FirstStep / SmartStep) cap at approximately $124,600 (1-2 person) statewide. Higher-income programs (Preferred / SmartStep Plus) cap at approximately $174,440 to $196,140 in higher-cost or targeted counties. Per CHFA's official income-limits PDF (effective 1/5/2026).$806,500
CHFA FirstStep Plus Down Payment AssistanceStatewide80% of area median incomeIncome limits vary by county; up to $174,440 in Denver County$806,500
CHFA Grant100% of area median incomeIncome limits vary by county, household size, and targeted vs. non-targeted area. Check chfainfo.com for current limits by county. Typically ranges from 80%-115% AMI depending on area type.—
CHFA HomeAccess ProgramStatewide80% of area median incomeIncome limits vary by county; up to $174,440 in Denver County; lower in rural areas$806,500
CHFA Preferred Loan with Down Payment AssistanceStatewide80% of area median incomeIncome limits by county; up to $174,440 in Denver County$806,500
CHFA SectionEight Homeownership Voucher ProgramStatewide80% of area median incomeIncome at or below 80% AMI; must be existing Section 8 voucher holder$806,500
CHFA SmartStep100% of area median incomeIncome limits vary by county and household size. Contact a CHFA-approved lender for current limits in your area.—
CHFA SmartStep Plus Down Payment AssistanceStatewide80% of area median incomeIncome limits vary by county; up to $174,440 in Denver County$806,500
City of Aurora Down Payment Assistance ProgramAurora · Arapahoe|Adams|Douglas120% of area median incomeIncome up to 120% AMI; up to $168,120 for family of four—
City of Broomfield Down Payment Assistance ProgramBroomfield · Broomfield80% of area median incomeIncome at or below 80% AMI; Broomfield County—
City of Durango Down Payment AssistanceDurango · La Plata80% of area median incomeIncome at or below 80% AMI; La Plata County—
City of Fort Collins Homebuyer Assistance ProgramFort Collins · Larimer80% of area median incomeIncome at or below 80% AMI based on Larimer County AMI; household size adjusted—
City of Greeley Homebuyer Assistance ProgramGreeley · Weld80% of area median incomeIncome at or below 80% AMI; Greeley/Weld County—
City of Longmont Down Payment Assistance ProgramLongmont · Boulder80% of area median incomeIncome at or below 80% AMI based on Boulder County limits—
Colorado Community Land Trust (CCLT) Homeownership ProgramDenver · Denver|Adams|Arapahoe|Jefferson|Douglas80% of area median incomeAt or below 80% AMI; Denver metro counties$400,000
Colorado Down Payment Assistance FundStatewide120% of area median incomeIncome up to 120% AMI; varies by county—
Colorado Down Payment Assistance Fund (Impact Development Fund)Statewide · StatewideSee programVaries by partner program. Partner programs administered by IDF range from 80% AMI floors (FirstBank DPA) to 150% AMI ceilings (Boulder H2O, Eagle County). Statewide Proposition 123 DPA pool follows Prop 123 program income standards (≤120% AMI or jurisdictionally filed limit).—
Colorado Homeownership Assistance for Black ColoradansDenver Metro · Denver|Adams|Arapahoe|Jefferson|Douglas120% of area median incomeIncome up to 120% AMI; varies by specific partner program—
Complete Community City of Durango ProgramDurango · La Plata150% of area median incomeUp to 150% AMI for households purchasing in Durango city limits and working in La Plata County 32+ hrs/week. Per Freddie Mac DPA One: $91,000 (1-2 person) to $171,500 (large-household). CDBG-funded loans separately capped at 80% AMI per HUD CDBG rules.$640,000
County of San Luis Valley FTHBAlamosa|Conejos|Costilla|Rio Grande|Mineral|Saguache$203,580Income $90,480-$203,580 depending on household size; USDA/rural AMI guidelines—
CRHDC Homeownership Assistance ProgramStatewide80% of area median incomeIncome at or below 80% AMI; varies by county—
Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program)Douglas120% of area median incomeHousehold qualifying income approximately $66,300 (1-person, ~80% AMI) to $124,950 (8-person, ~120% AMI) for Douglas County per HUD income limits.$556,000
Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)Douglas120% of area median incomeHousehold qualifying income approximately $66,300 (1-person, ~80% AMI) to $124,950 (8-person, ~120% AMI) for Douglas County per HUD income limits.$556,000
Down Payment Assistance - Amortizing Loan ProgramDouglas$124,950Income up to $66,300-$124,950 depending on household size$556,000
Down Payment Assistance - Shared Equity ProgramDouglas$124,950Income up to $66,300-$124,950 depending on household size$556,000
Down Payment Assistance ProgramStatewide · Garfield120% of area median incomeEligible household income approximately 80% AMI (Category 1) to 120% AMI (Category 4) per Garfield County Community Housing Program guidelines, scaled by household size — sample seed range $55,550 (1-person) to $124,950 (8-person).—
Eagle County Division of Housing Down Payment Assistance ProgramStatewide · Eagle80% of area median incomeHousehold income at or below 80% AMI for Eagle County, scaled by household size. Per LendSquawk seed data the program income range spans approximately $72,900 (1-person) to $137,400 (8-person) at 80% AMI for FY2026.—
Eagle Ranch Housing Corporation Assistance ProgramEagle · EagleSee programNo published household income cap; eligibility driven by Eagle Ranch Locals Housing Program (local-employee) requirements and the $600,000 max purchase price.$600,000
ECLF Down Payment Assistance Program (Amortized Loan)Statewide · EagleSee programNo published household income cap on the ECLF Amortized Loan; eligibility is driven by purchase-price cap of $850,000 and FHA first-mortgage qualifying$850,000
ECLF Equity Share Down Payment Assistance ProgramStatewide · EagleSee programNo published household income cap on the ECLF Equity Share Loan; eligibility is driven by the $850,000 purchase-price cap and first-mortgage qualifying$850,000
Elevation Community Land Trust Housing Assistance ProgramStatewide · Denver|Adams|Arapahoe|Jefferson|Douglas|Boulder|El Paso|Larimer80% of area median incomeAt or below 80% AMI; varies by county$500,000
Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan ProgramEstes Park · Larimer150% of area median incomeHouseholds between approximately 80% AMI ($63,680 1-person) and 150% AMI (capped at $225,000 for larger households) per Larimer County HUD income limits. EVWHA is a workforce-housing program intended for moderate-to-upper-moderate-income local workers.—
Federal Home Loan Bank of Topeka Homeownership Set-aside Program (Colorado)Statewide80% of area median incomeIncome at or below 80% AMI statewide; varies by county—
Fort Collins Area Habitat for Humanity Homeownership ProgramFort Collins · Larimer60% of area median incomeIncome 30-60% AMI; Larimer County—
Fort Lewis College (FLC) Employee Mortgage Assistance ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan150% of area median incomeUp to 150% AMI. Per Freddie Mac DPA One: $109,200 to $205,800 (household-size and county dependent). FLC HR confirms income documentation.$640,000
GCAR Homebuyer Assistance ProgramCrested Butte/Gunnison · Gunnison$141,000Maximum household income approximately $124,000/yr for single-income households and approximately $141,000/yr for multiple-income households (as published in 2023 program launch coverage). Income guidelines reviewed and updated periodically by the GCAR Board.—
Glenwood Springs Community Development DPAGlenwood Springs · Garfield80% of area median incomeIncome at or below 80% AMI; Garfield County—
Grand County Down Payment Assistance ProgramGrand80% of area median incomeIncome at or below 80% AMI; Grand County high-cost area—
Greeley-Weld Habitat for Humanity Homeownership ProgramGreeley · Weld80% of area median incomeIncome 30-80% AMI; Weld County—
Habitat for Humanity Loveland-Berthoud Homeownership ProgramLoveland · Larimer60% of area median incomeIncome 30-60% AMI; Larimer County—
Habitat for Humanity of Mesa County Homeownership ProgramGrand Junction · Mesa60% of area median incomeIncome 30-60% AMI; Mesa County—
Habitat for Humanity of Metro DenverDenver|Adams|Arapahoe|Jefferson|Douglas60% of area median incomeIncome 30-60% AMI; Denver metro—
Habitat for Humanity St. Vrain Valley Homeownership ProgramLongmont · Boulder|Weld60% of area median incomeIncome 30-60% AMI; Boulder/Weld County—
Homebuyer Assistance ProgramGunnison$124,000Income up to $124,000 (estimated); based on Gunnison County AMI—
House to Homeownership (H2O) Down Payment Assistance Loan ProgramBoulder · Boulder120% of area median incomeHousehold income capped at 120% AMI per HUD Boulder MSA. Income max by household size: 1-person $126,600; 2-person $144,600; 3-person $162,720; 4-person $180,720; 5-person $195,240; 6-person $209,640; 7-person $224,160; 8-person $238,560. Asset max equals 125% of income max ($158,250-$298,200). Note: Freddie Mac DPA One reflects an older income table ($111,600-$210,360); current City of Boulder limits are higher.—
House to Homeownership Down Payment AssistanceBoulder · Boulder$111,600Income limit up to $111,600-$210,360 depending on household size; based on Boulder AMI—
Housing Resources of Western Colorado Purchase Assistance ProgramGrand Junction · Mesa|Delta|Montrose|Ouray|San Miguel|Gunnison80% of area median incomeIncome at or below 80% AMI for service area counties—
HUD Section 184 Indian Home Loan Guarantee Program (Colorado)Tribal Areas ColoradoSee programNo income limit; available to all tribal members regardless of income—
Impact Development Fund Routt County DPA ProgramSteamboat Springs · Routt120% of area median incomeIncome up to 120% AMI; Routt County high-cost ski resort area—
IMPACT ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan100% of area median income80%-100% AMI band. Per Freddie Mac DPA One: $60,900 to $137,200 (household-size and county dependent).$640,000
Lake County Down Payment Assistance ProgramLeadville · Lake80% of area median incomeIncome at or below 80% AMI; Lake County (Leadville)—
Larimer Home Ownership Program (LHOP) Down Payment Assistance ProgramLarimer80% of area median incomeHousehold qualifying income at or below 80% of Larimer County AMI per HUD (approximately $63,600 1-person up to $119,950 8-person).—
Mesa County Housing Authority Down Payment AssistanceGrand Junction · Mesa80% of area median incomeIncome at or below 80% AMI; Mesa County—
Metro DPA Downpayment AssistanceMetro · Multiple$195,600Single program-wide qualifying income cap of $195,600 (gross qualifying income of all borrowers on the loan), applied uniformly across all 20 counties served and irrespective of household size.—
Middle Income Down Payment Assistance (MIDPA) Pilot ProgramBoulder · Boulder150% of area median incomeHousehold income max by size (City of Boulder MIDPA table): 1-person $126,600; 2-person $144,600; 3-person $162,720; 4-person $180,720; 5-person $195,240; 6-person $209,640; 7-person $224,160; 8-person $238,560. These limits exceed 120% AMI Boulder MSA to capture middle-income workforce buyers. Asset max ranges from $158,250 (1-person) to $298,200 (8-person).$1.4M
MIMAP Moderate Income Mortgage Assistance ProgramDurango · La Plata|Montezuma|Archuleta|Dolores|San Juan100% of area median incomeApproximately 80%-120% AMI moderate-income band. Per Freddie Mac DPA One: $48,720 (1-person, smaller county) to $137,200 (large-household, La Plata).$640,000
Pikes Peak Habitat for Humanity Homeownership ProgramColorado Springs · El Paso60% of area median incomeIncome 30-60% AMI; El Paso County—
Project I See You Homeowner Grant (Shared Power Initiative)Statewide · StatewideSee programNo published income limit. Eligibility is centered on demonstrated need, sole-female first-time-homebuyer status, and Cohort participation rather than a HUD AMI cap.—
Pueblo County Homebuyer Assistance ProgramPueblo80% of area median incomeIncome at or below 80% AMI; Pueblo County—
Purgatory / DMR (Durango Mountain Resort) Employee Assistance ProgramDurango · La Plata150% of area median incomeUp to 150% AMI. Per Freddie Mac DPA One: $109,200 to $205,800 (household-size dependent in La Plata County).$640,000
Rocky Mountain Community Land Trust Homeownership ProgramColorado Springs · El Paso80% of area median incomeAt or below 80% AMI; El Paso County AMI$338,000
San Luis Valley Habitat for Humanity Homeownership ProgramAlamosa · Alamosa|Conejos|Costilla|Rio Grande|Mineral|Saguache60% of area median incomeIncome 30-60% AMI; San Luis Valley AMI (rural, lower income thresholds)—
SLVHC Down Payment Assistance ProgramMultiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache)100% of area median incomeDPA One profile reports income range of $79,126 (1-person, low end) to $122,100 (5-person upper limit, ~100% AMI tier). Current published SLVHC limits as of July 2025 (now extended to 120% AMI) are: 1 person $85,680; 2 persons $97,920; 3 persons $110,160; 4 persons $122,400; 5 persons $132,240. Income limits are updated annually; contact SLVHC for current figures.—
Solution Grant Down Payment AssistanceBoulder · Boulder79% of area median incomeHousehold income max at HUD+10 (~79.2% AMI Boulder MSA) by size: 1-person $83,555; 2-person $95,435; 3-person $107,395; 4-person $119,275; 5-person $128,860; 6-person $138,360; 7-person $147,945; 8-person $157,450. Asset cap is variable and based on demonstrated need (grant recipients generally have <$15,000 in non-retirement assets). Some retirement assets exempt by age tier.—
Southern Ute Indian Tribe Housing Department DPAIgnacio · La Plata|Archuleta80% of area median incomeIncome at or below 80% AMI; tribal guidelines apply—
Summit Revolving Loan Fund Down Payment Assistance Loan ProgramFrisco · Summit160% of area median incomeEligible household income approximately 76% AMI to 160% AMI for Summit County, scaled by household size — sample 4-person range $64,100 - $136,160.—
Telluride Foundation Down Payment Assistance FundTelluride · San Miguel150% of area median incomeIncome up to 150% AMI; San Miguel County is extremely high-cost (Telluride area)$850,000
Thistle Communities Land Trust Homeownership ProgramBoulder · Boulder80% of area median incomeAt or below 80% AMI; Boulder County$600,000
Turnkey Plus Downpayment AssistanceStatewide · El Paso$160,300Tiered qualifying-income limits $84,000 to $160,300 depending on first-mortgage product, household size, and county; Conventional tier permits up to $160,300 for larger households.—
USDA Rural Development Section 502 Direct Loan Program (Colorado)Rural Colorado80% of area median incomeIncome at or below 80% AMI; rural area income limits vary; very-low income receives payment subsidy—
Ute Mountain Ute Tribe Housing Department DPATowaoc · Montezuma80% of area median incomeIncome at or below 80% AMI; tribal guidelines apply—
Yampa Valley Housing Authority Down Payment Assistance ProgramSteamboat Springs · Routt150% of area median incomeIncome up to 150% AMI for Routt County; high-cost ski resort community—

Questions, answered

What are the income limits for down payment assistance in Colorado?

89 down payment assistance programs in Colorado publish an income limit, a purchase price cap, or both. 70 express the limit as a percentage of the area median income for the county where the home is, and 48 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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