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Arapahoe County Down Payment Assistance Program

Arapahoe County, Colorado

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See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is Arapahoe County Down Payment Assistance Program?

Arapahoe County Down Payment Assistance Program is a deferred second loan for homebuyers in Arapahoe County, Colorado.

  • Arapahoe County Housing provides deferred-payment DPA to first-time buyers in Arapahoe County (Centennial, Englewood, Sheridan, Littleton, Aurora portions). 0% interest; no monthly DPA payments.
  • DPA for Arapahoe County first-time buyers.
  • covers Centennial, Englewood, Sheridan, Littleton.
  • deferred repayment.
  • 0% interest.
  • Funding comes from Local Government.

Do you have to pay it back?

Arapahoe County Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • Repayment is triggered by Sale, Refinance, and Maturity Date.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Arapahoe County Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course, through HUD-approved homebuyer education required
  • Residency: State Resident
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident
  • Purchase in Arapahoe County; income at or below 80% AMI; first-time buyer

The program excludes

  • Manufactured homes
  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Arapahoe County Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Income at or below 80% AMI; Arapahoe County.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Arapahoe County Down Payment Assistance Program can be used for Single Family, Condo, and Townhouse.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Arapahoe County Down Payment Assistance Program serves buyers purchasing in Arapahoe County, Colorado.

  • The program targets specific areas: Arapahoe County (Centennial, Englewood, Sheridan, Littleton).

How do you apply?

Applications for Arapahoe County Down Payment Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through HUD-approved homebuyer education required.

  2. Contact the administering agency to reserve funds

    Funds are reserved through First-Come-First-Served, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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