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Colorado • First-Time Homeowner programs

First-Time Homeowner grants in Colorado

Browse first-time homeowner grants available in Colorado, including statewide and local programs.

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5 active programs in Colorado

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Latest opportunities (5)

Down Payment Assistance

Open

Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance agency down payment assistance delivered either as a true grant of up to the lesser of 25000 dollars or 3 percent of the CHFA first mortgage amount or as a zero percent interest, non amortizing second mortgage of up to the lesser of 25000 dollars or 4 percent of the first mortgage amount, paired with a 30 year fixed rate CHFA loan.

Updated: Dec 6, 2025

Statewide CHFA down payment assistance that adds a grant or 0% second mortgage on top of a CHFA first loan to cover down payment and closing costs.

Eligible for: Homebuyers using an eligible CHFA first-mortgage loan to purchase a primary residence in Colorado; must meet CHFA income and purchase-price …

Funding: Offers a Down Payment Assistance Grant of up to the lesser of 25000 dollars or 3 percent of the CHFA first mortgage amount that never has to be repaid, or a Down Payment Assistance Second Mortgage Loan of up to the lesser of 25000 dollars or 4 percent of the first mortgage amount at zero percent interest with no monthly payments, due only when the home is sold, refinanced, the first loan is paid off or the property is no longer a primary residence.Deadline: Rolling; available statewide while CHFA first-mortgage programs are funded.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerColorado residentdown payment assistanceclosing cost assistancegrantsecond mortgageaffordable mortgage
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Down Payment Assistance (DPA) Program

Open

Colorado Department of Local Affairs – Division of HousingCOFirst-Time HomeownerState Division of Housing grant funding that flows to local governments, tribal governments and nonprofit housing partners so they can create or expand down payment assistance and affordable for sale housing programs that serve low and moderate income homebuyers.

Updated: Dec 6, 2025

State-level DPA funding stream that helps local governments and nonprofits offer down payment assistance and affordable for-sale housing to Colorado homebuyers.

Eligible for: Colorado local governments, tribal governments, and nonprofit housing partners that apply for and receive DOLA/DOH funds to operate homebuye…

Funding: Provides state grant funding to eligible local and nonprofit partners to capitalize or expand local down payment assistance and affordable for sale housing programs, with per homebuyer assistance sizes, income limits and affordability terms set at the local program level rather than in the statewide guidelines.Deadline: Competitive funding cycles; rolling opportunities announced by DOLA/DOH, with awardees required to report quarterly.CompetitiveStatewidelocal governmenttribal governmentnonprofit housing organizationdown payment assistancecapacity buildingaffordable homeownershipfor-sale housing
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Homeownership Programs – Your Home

Open

Colorado Housing and Finance AuthorityCOFirst-Time HomeownerState housing finance authority homeownership platform that offers 30 year fixed rate purchase mortgages which can be combined with CHFA down payment assistance grants or second mortgage loans, supported by education, counseling and equity focused initiatives delivered through a statewide lender network.

Updated: Dec 6, 2025

Central homeownership hub for CHFA, explaining how buyers can get a CHFA loan, add down payment assistance, find lenders, and access education and equity-focused resources.

Eligible for: Colorado homebuyers purchasing a primary residence in the state who meet CHFA income and purchase-price limits, credit and DTI guidelines, a…

Funding: CHFA homeownership programs provide affordable fixed rate first mortgages that can be paired with down payment assistance grant and second mortgage options described on the dedicated CHFA down payment assistance page to reduce required cash to close for eligible buyers.Deadline: Rolling; CHFA programs are available statewide through approved lenders while funding and rate sheets remain active.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerfirst-generation homebuyerColorado residentaffordable mortgagedown payment assistancehomebuyer educationequity-focused program
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Homeownership Programs – City of Boulder

Open

City of Boulder – Housing & Human ServicesCOFirst-Time HomeownerCity administered homeownership portfolio that combines below market Permanently Affordable homes with Solution Grant down payment grants and zero percent deferred shared appreciation second mortgages such as the H2O: House to Homeownership program and a Middle Income Down Payment Assistance Pilot providing large second loans in exchange for long term deed restrictions.

Updated: Dec 6, 2025

Comprehensive city homeownership portal that includes permanently affordable purchase options plus multiple down payment assistance tools (Solution Grant, H2O, Middle-Income DPA).

Eligible for: Income-qualified homebuyers who live or work in Boulder, purchasing a primary residence in Boulder city limits; specific income caps and ass…

Funding: Depending on the product, assistance can range from Solution Grants of up to 5 percent of the purchase price on select Permanently Affordable and Thistle homes to zero percent shared appreciation second mortgages like H2O and the Middle Income Down Payment Assistance Pilot that can provide up to 100000 to 200000 dollars or as much as 30 percent of the sale price toward down payment and closing costs on market rate homes.Deadline: Rolling; programs operate while local and partner funding lasts, with periodic updates to income limits and available products.RollingLocalhomebuyerfirst-time homebuyermiddle-income homebuyerBoulder residentBoulder workerdown payment assistanceclosing cost assistancegrantshared appreciation loanpermanently affordable housing
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Down Payment Assistance – Loan Program for First-Time Homebuyers

Temporarily Closed

City of Aurora – Community Development / Housing & Community ServicesCOFirst-Time HomeownerCity level Home Ownership Assistance Program that historically offered up to 10000 dollars in zero percent interest, no payment silent second loans funded with HOME and local dollars to cover down payment and closing costs for eligible first time buyers, with repayment due when the home is sold, refinanced or no longer owner occupied; the program is currently paused for restructuring.

Updated: Dec 6, 2025

Aurora’s HOAP down payment assistance loan program for first-time buyers, currently paused but historically offering up to $10,000 in zero-interest “silent second” assistance for down payment and closing costs.

Eligible for: First-time (and “first-time equivalent”) homebuyers purchasing a primary residence in Aurora city limits who meet low- to moderate-income gu…

Funding: When active, the program has typically provided up to 10000 dollars in zero percent interest silent second assistance that can be applied to down payment and allowable closing costs for qualifying Aurora buyers on a first come, first served basis while funds last.Deadline: Currently paused / being restructured; previously operated on a rolling, first-come, first-served basis while HOME and local funds were available.PausedLocalhomebuyerfirst-time homebuyerlow-income homebuyerAurora residentdown payment assistanceclosing cost assistancesilent second loanaffordable homeownershiphomebuyer education
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