Forgivable loan
Habitat for Humanity Loveland-Berthoud Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Larimer County
Buying a home in Loveland, CO
1 Loveland program, 2 county programs and 20 statewide.Loveland has 1 program 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 Loveland addresses
Loveland’s own program
Anywhere in LarimerAnywhere in Larimer County
2 county programs2 county programs a Loveland homebuyer can also use
2 more programs are for homes in Estes Park and Fort Collins. See them 2 programs in neighboring cities — for homes inside those cities, not Loveland
- Estes Park — Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program
- Fort Collins — City of Fort Collins Homebuyer Assistance Program
The Loveland marketThe Loveland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Loveland
- 64.4% single-familysingle-family
- 9.8% townhousetownhouse
- 6.2% 2–4 units2–4 units
- 18.1% 5+ unitscondo & apartment buildings (5+ units)
- 1.5% mobile & othermobile home & other
Condos count. 2 of Loveland’s 3 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 Loveland’s homes were built
pre-19401970s2020+
34.1%
of Loveland 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)
$84,604
Loveland median household incomeMedian household income in Loveland (Census, 2024)
26 of the 85 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 Loveland
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Loveland questions
Does Loveland have its own down payment program?
Yes, one: Habitat for Humanity Loveland-Berthoud Homeownership Program, a forgivable loan for first-time homebuyers (new construction, income limits). It is for homes inside Loveland.
Can I use assistance on a condo in Loveland?
2 of Loveland’s 3 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. 26 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 Loveland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Loveland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
80537 · 80538 · 80539
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.