Broomfield · Broomfield County
City of Broomfield Down Payment Assistance Program
Deferred second loan · 80% of area median income
Programs by loan typePrograms by loan type · Colorado
Down payment assistance you can pair with a conventional loan in Colorado
82 programs name conventional loans: 13 city, 52 county or regional, 17 statewide.82 programs in Colorado name conventional loans among the first mortgages they can be paired with: 13 run by a city, 52 by a county or regional agency and 17 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
Find my programs →Free · No credit pull · 90 seconds
The 82 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Colorado. Listed A–Z within each group, not ranked.
In a Colorado city 13 programs
For homes inside that city’s limits onlyDurango · La Plata County
City of Durango Down Payment Assistance
Deferred second loan · 80% of area median income
Fort Collins · Larimer County
City of Fort Collins Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Greeley · Weld County
City of Greeley Homebuyer Assistance Program
Deferred second loan · 80% of area median income
Longmont · Boulder County
City of Longmont Down Payment Assistance Program
Deferred second loan · 80% of area median income
Durango · La Plata County
Complete Community City of Durango Program
Shared-appreciation loan · 150% of area median income
Eagle · Eagle County
Eagle Ranch Housing Corporation Assistance Program
Repayable second loan
Estes Park · Larimer County
Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program
Repayable second loan · 150% of area median income
In a county or region 52 programs
For homes anywhere in the county or the counties namedLa Plata|Archuleta|Montezuma|San Juan|Dolores|Hinsdale|Mineral|San Miguel County
100+ ADVANTAGE LOAN
Deferred second loan
La Plata|Montezuma|Archuleta|Dolores|San Juan County
100+ Advantage Loan Program
Shared-appreciation loan · 150% of area median income
La Plata|Montezuma|Archuleta|Dolores|San Juan County
Affordability Program
Shared-appreciation loan · 80% of area median income
La Plata|Archuleta|Montezuma|San Juan|Dolores|Hinsdale|Mineral|San Miguel County
AHIF Affordable Housing Investment Fund
Deferred second loan
La Plata|Montezuma|Archuleta|Dolores|San Juan County
AHIF Affordable Housing Investment Fund Program
Shared-appreciation loan · 100% of area median income
Arapahoe County
Arapahoe County Down Payment Assistance Program
Deferred second loan · 80% of area median income
Pitkin County
Aspen/Pitkin County Housing Authority Down Payment Assistance
Deferred second loan · 120% of area median income
Statewide (high-cost areas) County
Bank of Colorado Destination Home - HSP+ High Cost Area Program
Assistance grant · 80% of area median income
Anywhere in Colorado 17 programs
Can sit alongside a city or county program where both allow it- Bank of Colorado Destination Home - Homeownership Set-aside Program (HSP)Assistance grant · First-time homebuyers
- Bank of Colorado Destination Home - HOPE (Homeownership Possibilities Expanded)Assistance grant
- CHAC Disability ProgramDeferred second loan · First-time homebuyers
- CHAC Statewide Program - 5 Year DeferralUp to $10,000 · Deferred second loan · First-time homebuyers
- CHFA Down Payment Assistance GrantAssistance grant
- CHFA Down Payment Assistance Second Mortgage LoanDeferred second loan
- CHFA GrantAssistance grant · First-time homebuyers
- CHFA HomeAccess ProgramDeferred second loan · First-time homebuyers
- CHFA Preferred Loan with Down Payment AssistanceAssistance grant · First-time homebuyers
- CHFA SectionEight Homeownership Voucher ProgramAssistance grant · First-time homebuyers
- CHFA SmartStepUp to $25,000 · Repayable second loan · First-time homebuyers
- Colorado Down Payment Assistance FundDeferred second loan · First-time homebuyers
- Colorado Down Payment Assistance Fund (Impact Development Fund)Deferred second loan
- CRHDC Homeownership Assistance ProgramDeferred second loan · First-time homebuyers
- Elevation Community Land Trust Housing Assistance ProgramDeferred second loan · First-time homebuyers
- Federal Home Loan Bank of Topeka Homeownership Set-aside Program (Colorado)Up to $22,000 · Assistance grant · First-time homebuyers
- Project I See You Homeowner Grant (Shared Power Initiative)Assistance grant · First-time homebuyers
Nationwide 54 programs · not in the 82
Nationwide: 54 more, not in the 8254 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 82 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 80 of 82
ask for a homebuyer education class.
- 62 of 82
are limited to first-time homebuyers, as each program defines it.
- 39 · 15 · 14
are deferred second loans, assistance grants and shared-appreciation loans. The other 14 are 11 forgivable loans and 3 repayable second loans.
Free help in ColoradoFree help in Colorado
27 HUD-approved counseling agencies in Colorado27 HUD-approved housing counseling agencies in Colorado
80 of 82 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.80 of 82 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Keep going
More of Colorado’s programs
State pageEvery program in ColoradoBy city, by county and statewide, with the 64 counties.Colorado →Income limitsIncome limits and price caps in ColoradoHUD area median income by county, and the share each program sets.See the limits →
Other loan types
- FHA loans 76
- VA loans 73
- USDA loans 53
- Section 184 loans 3
- How conventional loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with a conventional loan in Colorado?
82 programs in Colorado name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.