Explore Colorado mortgage and down payment assistance options—and get personal guidance on what may fit your situation.
See If You QualifyCHFA offers mortgage options through participating lenders and may provide down payment or closing-cost assistance for eligible Colorado buyers. First-time and repeat buyers may have options.
Some CHFA assistance may be structured as a grant that does not require repayment when program requirements are met.
Assistance may help reduce the upfront funds needed for a down payment or eligible closing costs.
CHFA works through approved participating lenders to offer mortgage options for eligible Colorado buyers.
Another option may defer repayment until a qualifying event such as selling, refinancing, or paying off the first mortgage.
CHFA is not limited to first-time buyers. Program fit depends on the buyer, loan, property, and current guidelines.
CHFA eligibility depends on the buyer, the home, the loan, and current program rules. Our team will help you understand the important pieces without turning the process into a qualification chart.
Credit history and household income are reviewed under current CHFA and loan-program guidelines.
A clear path from first question to keys in hand, with no pressure at any step.
Colorado specialists who know Front Range neighborhoods and local program requirements.
Five quick questions about your homebuying goals. No documents, no credit check.
See down payment assistance, grant, and affordable loan programs matched to your answers.
A Colorado based specialist walks you through your options and builds your plan.
Here’s what Colorado homebuyers say about working with Curtis and his team.
Curtis made the unknowns of buying our first home with a growing family in Colorado easy to understand and stress-free. We are grateful to Curtis and his entire team for their patience, care, and expertise every step of the way.
— Nicholas M.
Curtis and his team assisted me with the purchase of my first home and they provided an excellent service. Curtis was very easy to work with and always responded quickly to any questions or concerns.
— Cordero
Curtis and his team are great! They made the process really easy and in a month we got our first home!
— Carla J.
Curtis was knowledgeable, responsive and extremely helpful throughout our home purchase experience. His experience and dedication make him an absolute pro!
— Amber H.
No. First-time and repeat buyers may have CHFA options. Program fit depends on the borrower, property, loan, and current CHFA guidelines.
It depends on the assistance type. Some options may be grants, while deferred-repayment second mortgages generally become due after a qualifying event such as sale, refinance, or payoff.
The amount and form of assistance depend on the CHFA program, the first mortgage, and current limits. A Colorado Home Start team member will help you review what may apply—without promising eligibility or approval.
CHFA and the selected loan program use current credit requirements. A 620 mid-credit score is commonly referenced for many CHFA programs, but requirements can change and other loan standards also apply.
Yes. CHFA programs use income limits that vary by program and household circumstances. Current limits should be reviewed before relying on a specific number.
Answer a few quick questions. A Colorado Home Start team member will personally reach out to answer your questions and help you understand the next step. Colorado Home Start is not CHFA or a government agency.
Explore My Homebuyer Options