Asistencia para el pago inicial y límites en El Paso County

Quienes compran en El Paso County pueden usar la asistencia estatal de Colorado más los fondos locales que atienden este condado. Seguimos 6 programas aquí. El límite de préstamo FHA de 2026 para una unidad en El Paso County es $541,650, y la mayoría de los programas de asistencia topan el precio de compra en esa cifra o por debajo.

Single-family homes typical of El Paso County, Colorado, where county income and purchase-price limits apply — Illustrative photo of Colorado housing. El Paso County limits and program terms are published by the administering agency.

Respuesta rápida: ¿Qué asistencia para el pago inicial hay en el condado de El Paso County?

Quien compra en el condado de El Paso County normalmente puede combinar los programas estatales de Colorado con la asistencia local disponible en esa zona. Los montos, los límites de ingresos y los límites de precio de compra los publica cada agencia administradora y se aplican al condado donde está la propiedad.

Resumen

Se pueden aplicar programas estatales de Colorado y fondos locales de el condado de El Paso County.
Los límites de ingresos y precio corresponden al condado de la propiedad.
La disponibilidad de fondos la confirma la agencia administradora.
Tenemos licencia para originar hipotecas residenciales en Colorado.

Preguntas rápidas

¿Los programas locales se suman a los estatales?: Con frecuencia sí, siempre que las reglas de cada programa permitan financiamiento subordinado.
¿Dónde confirmo los límites vigentes?: En la página oficial de la agencia que administra el programa; enlazamos a la fuente en cada ficha.

Publicado 28 de agosto de 2026Última actualización 27 de septiembre de 2026

Reviewed September 2026
2026 official data
Data verified October 4, 2026
Data source: HUD — CHUMS forward limits file
Data source: HUD USER

Con licencia en El Paso County

Simply Approved Mortgages LLC tiene licencia para gestionar préstamos hipotecarios residenciales en El Paso County. La elegibilidad, los términos, las condiciones y la disponibilidad varían según el prestatario, la propiedad, el prestamista y el programa de préstamo, y todos los préstamos están sujetos a la evaluación y aprobación del prestamista. Las cifras mostradas son estimaciones, no una cotización ni un compromiso de prestar.

Ponga esta guía en práctica

Vea sus propios números

Herramientas gratuitas con límites actuales y sus propios datos. Los estimados son educativos, no ofertas de préstamo.

¿Quiere una cotización personalizada?

¿Compra en Florida o Colorado? Pida una revisión de su escenario a un corredor hipotecario con licencia.

Solicitar cotización

Revisión mensual

Revisión de octubre de 2026: la asistencia para el pago inicial en El Paso County

Revisamos los avisos de la agencia de vivienda de Colorado que afectan a El Paso County, los anuncios de fondos de asistencia del condado y de los municipios, los límites de préstamo publicados por HUD para El Paso County y las tablas de límites de ingresos y precio de compra de cada programa en relación con esta página. Este mes no encontramos cambios materiales que exijan una revisión sustantiva. La información y las fuentes que se muestran siguen vigentes a la fecha de nuestra última revisión.

Verificado: los avisos de la agencia de vivienda de Colorado que afectan a El Paso County
Verificado: los anuncios de fondos de asistencia del condado y de los municipios
Verificado: los límites de préstamo publicados por HUD para El Paso County
Verificado: las tablas de límites de ingresos y precio de compra de cada programa

Fuentes:: HUD — CHUMS forward limits file, HUD USER, U.S. Census Bureau, American Community Survey, Federal Housing Finance Agency (via FRED)
Datos verificados por última vez:: 2026-10-04
Año de los datos:: 2026

La revisión mensual programada de esta página está atrasada. La sección anterior refleja nuestra última revisión completada, no una nueva del mes en curso.

Límites de préstamo FHA de 2026 en El Paso County

Estos son los límites publicados por HUD para este condado. Son el techo de la primera hipoteca y la mayoría de los programas de asistencia los usan también como tope de precio de compra.

Límites FHA de 2026 por número de unidades en El Paso County
Tamaño de la propiedad	Límite FHA 2026
Una unidad	$541,650
Dos unidades	$693,400
Tres unidades	$838,150
Cuatro unidades	$1,041,650
Precio medio del área según HUD	$471,000

Fuente: límites CHUMS de HUD (2026) — conjunto de datos oficial. Área metropolitana: COLORADO SPRINGS, CO.

Cómo se compara El Paso County dentro de Colorado

El Paso County's 2026 FHA one-unit limit of $541,650 is set above the Colorado floor of $541,287, ranking it 28th highest of the 64 counties in the state. That extra room matters for El Paso County buyers, because an assistance second still has to fit under the county limit on the first mortgage.

HUD records an area median price of $471,000 for El Paso County, about 115% of the Colorado county median of $410,000. Purchase-price caps on assistance programs are published separately by the administering agency and are the figure that usually binds first.

The limit is calculated for the COLORADO SPRINGS, CO area, so neighbouring counties inside the same area share it. Assistance eligibility, however, is decided county by county and sometimes city by city, which is why a program can be open a few miles away and closed here.

Recent updates for El Paso County

Dated changes we recorded from administering agencies and public housing data. Each item links to the source it came from.

RatesOct 22, 2026
15-year fixed mortgage rate (national average): 6.68% as of October 22, 2026
That is 0.03 points lower than the prior reading. Rate moves change the payment behind any assistance award in El Paso County, and can move the price a program's income cap still supports.
Source: Federal Reserve Bank of St. Louis (FRED) · View source
Market dataApr 1, 2026
Colorado colorado house price index (fhfa, all transactions) up +0.2% year over year
The latest Federal Housing Finance Agency (via FRED) reading for Colorado is 853.19 as of April 1, 2026, +0.2% against a year earlier. Rising prices raise the purchase-price cap pressure on assistance programs in El Paso County; falling prices ease it.
Source: Federal Housing Finance Agency (via FRED) · View source
Income limitsJan 1, 2026
HUD published 2026 income limits for El Paso County
HUD's 2026 area median income for El Paso County is $116,400. Most assistance programs in El Paso County set their household income caps as a percentage of that figure, so a new release can change who qualifies.
Source: HUD · View source

Taxes and closing charges in El Paso County

Assistance solves the cash-to-close problem. These are the costs that stay with you afterwards, and the one-time state charges that land on your Closing Disclosure. Figures are modelled on the precio medio del área según HUD of $471,000 for El Paso County using Colorado's published statewide effective property tax rate — an estimate for planning, not a quote for a specific property.

Effective property tax rate

0.55%

Colorado statewide, below the national effective rate of 0.90%.

Source: Tax Foundation — property taxes by state

Estimated annual property tax

$2,591

At the precio medio del área según HUD for El Paso County.

Source: Calculated from Tax Foundation — property taxes by state

Added to the monthly payment

$216

Escrowed monthly, before homeowners insurance and any HOA dues.

Source: Calculated from Tax Foundation — property taxes by state

Why this matters here. At the national effective rate of 0.90%, the same $471,000 home would carry about $4,239 a year. Colorado runs 0.35 points lower, roughly $1,648 less a year, which quietly widens what you can carry on the same income.

Transfer and documentary charges. Colorado levies a documentary fee of $0.01 per $100 of consideration — one of the lowest in the country, about $40 on a $400,000 purchase. A handful of home-rule municipalities add their own real estate transfer tax; the closing agent confirms whether the property sits in one.

Homeowners insurance. Wildfire and hail exposure has pushed premiums up sharply in recent years and some carriers have restricted new business in higher-risk ZIP codes. Quote insurance early: a policy that arrives late or high can undo the payment math assistance was supposed to fix.

CHFA assistance is layered onto a CHFA first mortgage, so the documentary fee and recording charges are calculated on the full purchase price and loan amount regardless of how much assistance you receive.

Estimates only. Property tax is assessed locally and millage, exemptions (including homestead), and assessment ratios change the actual bill. Transfer, documentary and recording charges are itemised on your Closing Disclosure. This is not tax advice — confirm with your closing agent and a tax professional. Sources: U.S. Census Bureau, American Community Survey (property taxes paid) · Tax Foundation — property taxes by state.

Límites de ingresos y de precio por programa

Los topes de ingresos y de precio son la razón más común por la que se rechaza una solicitud. Estos son los límites registrados para los programas que atienden a El Paso County. Las agencias los revisan periódicamente: confírmelos con el administrador antes de hacer una oferta.

Límites de ingresos y precio de compra por programa en El Paso County
Programa	Ingreso máximo del hogar	Precio máximo de compra	Puntaje de crédito mínimo
City of Colorado Springs LASSO / HBA	$105,000 / año	No publicado	640
metroDPA (Denver-area)	$154,992 / año	No publicado	640
CHFA FirstStep	$150,000 / año	No publicado	620
CHFA Preferred (Conventional)	$150,000 / año	No publicado	620

Programas de asistencia que atienden a El Paso County

GrantFederal Home Loan Bank

FHLBank Topeka Homeownership Set-Aside (AHP)

FHLBank Topeka · fhlbtopeka.com

Assistance: Amount varies — verify with the administrator
Where: CO
Min credit: Varies
First-time buyer: Not required

Affordable Housing Program set-aside funds for income-eligible Colorado buyers, available only through lenders that are FHLBank Topeka members. Funds may be structured as a grant or as secondary financing layered with an FHA first mortgage; household income generally must be at or below 80% of area median income, and each year's funding allocation is limited.

Repayment: Does not have to be repaid if you meet the program's conditions.

Program details Official source

Tax credit (MCC)Federal

Mortgage Credit Certificate (MCC)

IRS · Section 25 MCC

Assistance: Amount varies — verify with the administrator
Where: Nationwide (state exclusions may apply)
Min credit: 640
First-time buyer: Required

IRS Mortgage Credit Certificate program administered by state and local HFAs. Converts up to 20–30% of your annual mortgage interest into a dollar-for-dollar federal income tax credit for the life of the loan. Not DPA cash — a lifetime tax benefit. Must be a first-time buyer (or in a targeted area) and stay in the home as your primary residence.

Repayment: A federal income tax credit, not cash toward your down payment.

Program details Official source

Deferred second mortgageCity or county

City of Colorado Springs LASSO / HBA

City of Colorado Springs

Assistance: up to $25,000
Where: CO
Min credit: 640
First-time buyer: Required

Colorado Springs Homebuyer Assistance provides a 0% deferred-payment second mortgage of up to $25,000 for qualified low- to moderate-income first-time buyers purchasing inside city limits. Repaid at sale or refinance.

Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.

Program details Official source

GrantCity or county

metroDPA (Denver-area)

metroDPA · metrodpa.org

Assistance: up to 5%
Where: CO
Min credit: 640
First-time buyer: Not required

City and County of Denver's metroDPA offers a forgivable grant of up to 5% of the loan amount for buyers of primary residences in the Denver-metro region. Layers with FHA, VA, USDA, or Conventional first mortgages. Income limits apply.

Repayment: Does not have to be repaid if you meet the program's conditions.

Program details Official source

Deferred second mortgageState housing finance agency

CHFA FirstStep

CHFA · chfainfo.com

Assistance: up to 4%
Where: CO
Min credit: 620
First-time buyer: Required

Colorado Housing and Finance Authority first-time buyer program with a 30-year fixed FHA mortgage. Pairs with CHFA DPA Grant (up to 3% of first-mortgage amount) or CHFA Second Mortgage Loan (up to 4% of first-mortgage amount, 0% deferred). Income and purchase-price limits vary by county.

Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.

Program details Official source

Deferred second mortgageState housing finance agency

CHFA Preferred (Conventional)

CHFA · chfainfo.com

Assistance: up to 4%
Where: CO
Min credit: 620
First-time buyer: Not required

CHFA's HFA Preferred conventional (Fannie Mae) product with reduced MI and CHFA DPA Grant or Second Mortgage Loan of up to 3–4% of the first mortgage. Available to first-time and non-first-time buyers subject to CHFA income limits.

Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.

Program details Official source

Ciudades en El Paso County

Preguntas sobre El Paso County

¿Cuánta asistencia para el pago inicial hay disponible en El Paso County?

Seguimos 6 programas que atienden a compradores en El Paso County: la asistencia estatal de Colorado más los fondos locales de la zona. El monto depende del programa, de sus ingresos y del precio de la casa; cada agencia fija sus propias reglas y puede agotar los fondos sin aviso.

¿Cuál es el límite de préstamo FHA de 2026 en El Paso County?

El límite FHA de 2026 para una vivienda de una unidad en El Paso County es $541,650, según el archivo CHUMS de HUD. El precio medio del área que HUD publica para este condado es $471,000. La mayoría de los programas de asistencia usan ese límite como tope de precio de compra.

¿Tengo que ser comprador por primera vez en El Paso?

Depende del programa. Muchos programas estatales y locales exigen que no haya tenido vivienda propia en los últimos tres años, pero otros no lo exigen, incluido el programa interno de Simply Approved ofrecido a través de nuestro prestamista mayorista. Revise la regla publicada de cada programa antes de descartarse.

¿Qué ciudades de El Paso County cubren estos programas?

Publicamos páginas locales para Colorado Springs, Fountain, Monument. Los programas estatales aplican en todo el condado; los fondos municipales solo dentro de los límites de la ciudad que los administra.

¿Puede Simply Approved originar mi préstamo en El Paso County?

Sí. Simply Approved Mortgages LLC (NMLS #2620881) gestiona préstamos hipotecarios residenciales en Colorado, incluido El Paso County.

How down payment assistance helps you buy in Colorado

Down payment assistance closes the cash gap between what a lender will lend and what a seller needs at the closing table. For most buyers it is the difference between purchasing this year and saving for another three to five. Terms and availability are set by each administering agency and can change or run out of funding without notice.

You buy years sooner

Saving a 5% down payment on a median-priced home usually takes several years. Assistance covers most or all of that gap now, so your timeline is set by your credit and income rather than by your savings balance.

Your own cash stays intact

Because the assistance funds the down payment and, on many programs, closing costs, your savings can stay where they belong — reserves, moving costs, and the repairs that show up in the first year.

Often no monthly payment added

Grants and forgivable or deferred second mortgages add nothing to your monthly payment. Only a repayable second creates a second monthly obligation, and every program card on this site states which structure applies.

It stacks with normal financing

Assistance attaches to a standard FHA, conventional, VA or USDA first mortgage originated by a lender approved for that program, so you are not trading away loan choice to use it.

What you have to meet

Income limit: Household or qualifying income must fall at or below a published cap, set by county and usually adjusted for household size. This is the most common disqualifier, so check it first.
Purchase-price cap: Most programs limit the acquisition cost of the home, and the cap can differ between new construction, existing homes and federally targeted areas.
First-time buyer status: Commonly defined as no ownership interest in a primary residence for the past three years. Veterans and targeted-area purchases are frequently exempt.
Credit score: Program minimums typically sit in the low-to-mid 600s, and the first mortgage carries its own minimum. The higher of the two governs your file.
Owner occupancy: The home must be your primary residence. Investment and second-home purchases are not eligible, and moving out during a forgiveness period usually accelerates repayment.
Homebuyer education: Most programs require an approved course certificate before closing. It takes a few hours online — take it early, because it is a hard closing condition.
Participating lender and reservation: Funds are delivered through the first mortgage and reserved by an approved lender, normally once you are under contract. Eligibility alone does not hold money; the reservation does.

A realistic timeline

Week 1Check the county income and price limits, pull your own credit report, and start the homebuyer education course.
Week 1–2Work with a lender approved for the specific assistance program you want to use to confirm your financing.
Week 2–8Shop inside the program's eligible area and price cap, then write an offer that allows time for the assistance paperwork.
At contractYour lender reserves the assistance funds while the file moves through underwriting.
At closingFunds are wired to the closing agent and applied to your down payment and permitted closing costs — they are never paid to you as cash.

Timelines are illustrative and vary by program, lender and market. Nothing here is an offer of credit, an approval, or a guarantee of assistance eligibility, funding availability or any particular term.

Vea qué programas de El Paso County le corresponden

Diez preguntas y resultados en unos noventa segundos.

Find my assistance Call 877-813-7219

Datos actuales y actualizaciones de la página

Última revisión de la página: 27 de septiembre de 2026
Última actualización sustantiva: 27 de septiembre de 2026
Datos verificados por última vez: 4 de octubre de 2026
Año de los datos vigentes: 2026
Fuentes principales: HUD — CHUMS forward limits file, HUD USER, U.S. Census Bureau, American Community Survey, Federal Housing Finance Agency, Consumer Financial Protection Bureau
Próxima revisión programada: 27 de octubre de 2026
Revisión mensual actual: octubre de 2026
Fuente de datos en vivo: Sí

This page is past its scheduled review date and is queued for the next review cycle.

Licencias y divulgaciones

Texto oficial en inglés:

Simply Approved Mortgages LLC | NMLS #2620881

Florida Branch Office (Miami, FL) | Branch NMLS #2688012

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Business Phone: (877) 813-7219

Equal Housing Opportunity

Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.

Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.

Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.

Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.

Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.

Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.

Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.

Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.

Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.

No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.

Esta traducción al español se ofrece únicamente por conveniencia. La versión en inglés de nuestras divulgaciones, licencias, términos y documentos del préstamo es la versión que rige legalmente. La solicitud hipotecaria, las divulgaciones federales requeridas y los documentos de cierre se proporcionan en inglés.

Verifique nuestra licencia en NMLS Consumer Access

Asistencia para el pago inicial y límites en El Paso County

Respuesta rápida: ¿Qué asistencia para el pago inicial hay en el condado de El Paso County?

Resumen

Preguntas rápidas

Con licencia en El Paso County

Vea sus propios números

Revisión de octubre de 2026: la asistencia para el pago inicial en El Paso County

Límites de préstamo FHA de 2026 en El Paso County

Cómo se compara El Paso County dentro de Colorado

Recent updates for El Paso County

15-year fixed mortgage rate (national average): 6.68% as of October 22, 2026

Colorado colorado house price index (fhfa, all transactions) up +0.2% year over year

HUD published 2026 income limits for El Paso County

Taxes and closing charges in El Paso County

Límites de ingresos y de precio por programa

Programas de asistencia que atienden a El Paso County

FHLBank Topeka Homeownership Set-Aside (AHP)

Mortgage Credit Certificate (MCC)

City of Colorado Springs LASSO / HBA

metroDPA (Denver-area)

CHFA FirstStep

CHFA Preferred (Conventional)

Ciudades en El Paso County

Preguntas sobre El Paso County

¿Cuánta asistencia para el pago inicial hay disponible en El Paso County?

¿Cuál es el límite de préstamo FHA de 2026 en El Paso County?

¿Tengo que ser comprador por primera vez en El Paso?

¿Qué ciudades de El Paso County cubren estos programas?

¿Puede Simply Approved originar mi préstamo en El Paso County?

How down payment assistance helps you buy in Colorado

You buy years sooner

Your own cash stays intact

Often no monthly payment added

It stacks with normal financing

What you have to meet

A realistic timeline

Vea qué programas de El Paso County le corresponden

Datos actuales y actualizaciones de la página

Licencias y divulgaciones

DPA amount calculator and eligibility checker

DPA amount calculator & eligibility checker

Amount calculator

Eligibility checker

Keep reading

Our own down payment assistance program — up to 5% toward your primary home

Program at a glance

How it works

1. Find the assistance you qualify for

2. A licensed loan officer reviews it with you

3. Pair assistance with your first mortgage

4. Funds arrive at closing

La asistencia para el pago inicial cambia. Manténgase informado.

Documented guidance from a licensed mortgage broker