Colorado down payment assistance at a glance
The Colorado Housing and Finance Authority (CHFA) offers first mortgages with down payment assistance through participating lenders, in grant and second-mortgage forms.
Want the full Colorado breakdown? Our dedicated Colorado guide covers programs, local options, and current details: visit the Colorado DPA guide →
Statewide programs
CHFA Down Payment Assistance Grant
Grant funds for down payment and closing costs that generally do not need to be repaid, paired with a CHFA first mortgage.
CHFA Second Mortgage Loan
A deferred second mortgage for down payment and closing costs, repaid when you sell, refinance, or pay off the first mortgage.
Metro DPA
A Denver-area down payment assistance program available to eligible buyers in participating areas.
Local programs
Some Colorado cities and counties offer additional assistance with their own rules.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Front Range communities — including Denver, Colorado Springs, Aurora, and Fort Collins — may offer additional programs. Check eligibility for the exact address.
What Colorado buyers should know
- CHFA grant and second-mortgage options can differ in first-mortgage rate — compare total cost.
- Mountain resort areas often have separate workforce housing programs with deed restrictions.
Next step
Matthew Brown is licensed in Colorado and can check which statewide and local programs fit your income, credit, and the home you want to buy.