Down Payment Assistance Program
Deferred second loan · New construction · Income limits
Down payment assistance · Garfield County
Buying a home in New Castle, CO
1 county program and 20 statewide.New Castle has no program of its own, 1 across Garfield 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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What’s local to New Castle
No program of New Castle’s own yet
No program run for New Castle alone is listed. A home in New Castle can use Garfield County’s programs below, plus the Colorado statewide and federal ones.
The closest city that runs its own program is Glenwood Springs, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in GarfieldAnywhere in Garfield County
1 county program1 county program a New Castle homebuyer can use
1 more program is for homes in Glenwood Springs. See them 1 program in neighboring cities — for homes inside those cities, not New Castle
- Glenwood Springs — Glenwood Springs Community Development DPA
The New Castle marketThe New Castle housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in New Castle
- 66.7% single-familysingle-family
- 8.6% townhousetownhouse
- 2.3% 2–4 units2–4 units
- 20.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.8% mobile & othermobile home & other
Condos count. New Castle’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When New Castle’s homes were built
pre-19401970s2020+
14.7%
of New Castle 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.
$114,100
County area median income, 4 people (HUD)HUD area median income, Garfield County, 4-person household (2026)
$80,084
New Castle median household incomeMedian household income in New Castle (Census, 2024)
24 of the 83 programs here set their income limit as a share of Garfield County’s area median income, adjusted for household size. See the published limits for Garfield County
Free help nearbyFree help near New Castle
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
New Castle’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Down Payment Assistance 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
New Castle questions
Does New Castle have its own down payment program?
No program run for New Castle alone is listed. A home in New Castle can use the 1 program that cover Garfield County and the 20 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in New Castle?
New Castle’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 Garfield County?
Each program sets its own. 24 of the programs here set theirs as a share of HUD’s area median income for Garfield 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 New Castle?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
81647
Nearby in Garfield
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.