Deferred second loan
Ute Mountain Ute Tribe Housing Department DPA
First-time homebuyers · New construction · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Montezuma County
Buying a home in Towaoc, CO
1 Towaoc program and 20 statewide.Towaoc has 1 program 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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Only for Towaoc addresses
Towaoc’s own program
The Towaoc marketThe Towaoc housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Towaoc
- 68.2% single-familysingle-family
- 8% townhousetownhouse
- 15.7% 2–4 units2–4 units
- 0% 5+ unitscondo & apartment buildings (5+ units)
- 8% mobile & othermobile home & other
Condos count. Towaoc’s one local program accepts condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Towaoc’s homes were built
pre-19401970s2020+
37%
of Towaoc 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.
$84,800
County area median income, 4 people (HUD)HUD area median income, Montezuma County, 4-person household (2026)
$22,955
Towaoc median household incomeMedian household income in Towaoc (Census, 2024)
24 of the 83 programs here set their income limit as a share of Montezuma County’s area median income, adjusted for household size. See the published limits for Montezuma County
Free help nearbyFree help near Towaoc
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Towaoc’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Ute Mountain Ute Tribe Housing Department DPA 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
Towaoc questions
Does Towaoc have its own down payment program?
Yes, one: Ute Mountain Ute Tribe Housing Department DPA, a deferred second loan for first-time homebuyers (new construction, income limits). It is for homes inside Towaoc.
Can I use assistance on a condo in Towaoc?
Towaoc’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 Montezuma County?
Each program sets its own. 24 of the programs here set theirs as a share of HUD’s area median income for Montezuma 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 Towaoc?
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
81334
Nearby in Montezuma
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.