Deferred second loan
Impact Development Fund Routt County DPA Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Routt County
Buying a home in Steamboat Springs, CO
2 Steamboat Springs programs and 20 statewide.Steamboat Springs has 2 programs of its own, 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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Steamboat Springs’s own programs
Deferred second loan
Yampa Valley Housing Authority Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
The Steamboat Springs marketThe Steamboat Springs housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Steamboat Springs
- 31.9% single-familysingle-family
- 17.3% townhousetownhouse
- 8.4% 2–4 units2–4 units
- 36.8% 5+ unitscondo & apartment buildings (5+ units)
- 5.6% mobile & othermobile home & other
Condos count. All 2 of Steamboat Springs’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Steamboat Springs’s homes were built
pre-19401970s2020+
25.1%
of Steamboat Springs 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.
$138,700
County area median income, 4 people (HUD)HUD area median income, Routt County, 4-person household (2026)
$104,964
Steamboat Springs median household incomeMedian household income in Steamboat Springs (Census, 2024)
25 of the 84 programs here set their income limit as a share of Routt County’s area median income, adjusted for household size. See the published limits for Routt County
Free help nearbyFree help near Steamboat Springs
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Steamboat Springs questions
Does Steamboat Springs have its own down payment program?
Yes, 2: Impact Development Fund Routt County DPA Program and Yampa Valley Housing Authority Down Payment Assistance Program. Each is for homes inside Steamboat Springs.
Can I use assistance on a condo in Steamboat Springs?
All 2 of Steamboat Springs’s local and county programs accept 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 Routt County?
Each program sets its own. 25 of the programs here set theirs as a share of HUD’s area median income for Routt 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 Steamboat Springs?
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
80477 · 80487 · 80488
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.