Programas de asistencia para el pago inicial en Colorado

Estos son los programas de Colorado que tenemos en nuestra base de datos: la asistencia de la agencia estatal de financiamiento de vivienda más los fondos locales o regionales que seguimos. Los montos, los límites de ingresos y la disponibilidad de fondos los fija cada agencia administradora y cambian sin aviso, así que confirme con ellos cualquier dato del que dependa su compra.

Illustrative single-family home representing Colorado housing — Illustrative photo of Colorado housing. Program terms are set by each administering agency.

Respuesta rápida: ¿Cómo funciona la asistencia para el pago inicial en Colorado?

Los compradores en Colorado pueden usar la asistencia de la agencia estatal de vivienda y, en muchas zonas, sumar fondos de una ciudad o condado. La ayuda llega como subvención o como segunda hipoteca condonable, diferida o pagadera, y la elegibilidad depende de los límites de ingresos por condado, de los límites de precio de compra y de su situación como comprador, no solo del puntaje de crédito.

Resumen

Los programas estatales y locales de Colorado a menudo se pueden combinar en una sola compra.
Los límites de ingresos y de precio se publican condado por condado.
La agencia administradora fija la disponibilidad de fondos y puede pausarla sin aviso.
Tenemos licencia para originar hipotecas residenciales en Colorado.

Preguntas rápidas

¿Quién administra los programas en Colorado?: La agencia de financiamiento de vivienda de Colorado administra los programas estatales; las ciudades y los condados administran sus propios fondos locales por separado.
¿Hay límite de ingresos en Colorado?: Sí. Cada programa publica límites de ingresos del hogar que varían por condado y a menudo por tamaño del hogar.
¿Puedo usar la asistencia en cualquier casa en Colorado?: Solo en una vivienda principal ocupada por el dueño, dentro del área del programa y por debajo del límite de precio publicado.

Publicado 26 de agosto de 2026Última actualización 28 de octubre de 2026

Reviewed October 2026
2026 official data
Data verified January 1, 2026
Data source: HUD
Data source: HUD — CHUMS forward limits file

Con licencia en Colorado

Simply Approved Mortgages LLC tiene licencia para gestionar préstamos hipotecarios residenciales en Colorado. 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: asistencia para el pago inicial en Colorado

Revisamos los avisos de programas de la agencia de vivienda de Colorado, los límites publicados de ingresos y de precio de compra, las actualizaciones de fondos locales de ciudades y condados y los datos federales de vivienda e hipotecas 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 programas de la agencia de vivienda de Colorado
Verificado: los límites publicados de ingresos y de precio de compra
Verificado: las actualizaciones de fondos locales de ciudades y condados
Verificado: los datos federales de vivienda e hipotecas

Fuentes:: U.S. Department of Housing and Urban Development (HUD), HUD, HUD — CHUMS forward limits file
Datos verificados por última vez:: 2026-01-01
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.

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

Vea qué programas de Colorado le corresponden

Diez preguntas y resultados en unos noventa segundos.

Find my assistance Call 877-813-7219

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.

Colorado FHA loan limits (2026)

Most down payment assistance is layered on top of an FHA, conventional, VA or USDA first mortgage, so the county loan limit sets the ceiling on the FHA first mortgage the assistance would sit behind. HUD publishes a limit for each of the 64 counties in Colorado; one-unit limits run from $541,287 to $1,249,125, against a median county sale price of about $410,000. A limit is a cap on insurable loan size, not an approval amount.

Highest 2026 FHA loan limits by county in Colorado
County	One unit	Two units	Four units	Source
Eagle County	$1,249,125	$1,599,375	$2,402,625	HUD CHUMS
Garfield County	$1,249,125	$1,599,375	$2,402,625	HUD CHUMS
Pitkin County	$1,249,125	$1,599,375	$2,402,625	HUD CHUMS
Lake County	$1,092,500	$1,398,600	$2,101,000	HUD CHUMS
Summit County	$1,092,500	$1,398,600	$2,101,000	HUD CHUMS
Moffat County	$1,089,050	$1,394,200	$2,094,350	HUD CHUMS
Routt County	$1,089,050	$1,394,200	$2,094,350	HUD CHUMS
San Miguel County	$1,045,350	$1,338,250	$2,010,350	HUD CHUMS
Grand County	$883,200	$1,130,650	$1,698,500	HUD CHUMS
Boulder County	$879,750	$1,126,250	$1,691,850	HUD CHUMS

Effective for case numbers assigned on or after January 1, 2026. Source: HUD CHUMS forward loan limits. Simply Approved Mortgages is not affiliated with HUD, FHA or any government agency.

Colorado housing and lending data

Published federal figures we refresh automatically, shown so you can size up the market a down payment assistance program would be used in. Context only — none of it decides eligibility, and none of it is a rate quote or an offer of credit.

Households and housing costs in Colorado (Census 2024)

Rolled up from the U.S. Census Bureau American Community Survey five-year estimates for the 64 Colorado counties in our data set. Population and household counts are sums; the dollar figures and homeownership rate are household-weighted averages of those counties, not official statewide Census estimates.

Population: 5,862,189; Source: U.S. Census Bureau, American Community Survey · ACS 2024
Households: 2,374,218; Source: U.S. Census Bureau, American Community Survey · ACS 2024
Homeownership rate: 66.2%; Source: U.S. Census Bureau, American Community Survey · ACS 2024
Median household income: $97,187; Source: U.S. Census Bureau, American Community Survey · ACS 2024
Median home value: $554,069; Source: U.S. Census Bureau, American Community Survey · ACS 2024
Median gross rent: $1,726/mo; Source: U.S. Census Bureau, American Community Survey · ACS 2024

Home-purchase mortgage activity across Colorado (2025)

Every lender covered by the Home Mortgage Disclosure Act reports its home-purchase applications to the CFPB. These are the published totals for the 64 Colorado counties we hold — an indication of how active the market is, not a prediction of any individual outcome. Your own approval depends on a full underwriting review.

Loans originated: 81,512; Source: CFPB HMDA Data Browser · HMDA 2025
Applications denied: 8,737; Source: CFPB HMDA Data Browser · HMDA 2025
Origination rate: 90.3%; Source: CFPB HMDA Data Browser · HMDA 2025
FHA loans originated: —; Source: CFPB HMDA Data Browser · HMDA 2025

Origination rate counts loans originated as a share of originated plus denied home-purchase applications. Withdrawn, incomplete and approved-not-accepted files are excluded.

Colorado house price trend

The Federal Housing Finance Agency house price index measures repeat sales and refinance appraisals across the state. Statewide movement is context for planning, not a valuation of any individual property.

+0.2%year over year

Index 853.19 · reading for 2026-04-01 · Federal Housing Finance Agency (via FRED)

National mortgage market readings

Published national series, refreshed automatically. They are not a quote, an offer of credit, or the terms of any assistance program, and no rate is available to you until a lender underwrites your file.

Median sales price of houses sold (U.S.): 393,3002026-07-01; Source: Federal Reserve Bank of St. Louis (FRED) · 2026-07-01
15-year fixed mortgage rate (national average): 6.68%2026-10-22; Source: Federal Reserve Bank of St. Louis (FRED) · 2026-10-22
30-year fixed mortgage rate (national average): 7.32%2026-10-22; Source: Federal Reserve Bank of St. Louis (FRED) · 2026-10-22

Recent updates for Colorado

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 Colorado, 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 Colorado; falling prices ease it.
Source: Federal Housing Finance Agency (via FRED) · View source

Taxes and closing charges in Colorado

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 aproximado de vivienda en el estado of $555,000 for Colorado 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

$3,053

At the precio medio aproximado de vivienda en el estado for Colorado.

Source: Calculated from Tax Foundation — property taxes by state

Added to the monthly payment

$254

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 $555,000 home would carry about $4,995 a year. Colorado runs 0.35 points lower, roughly $1,942 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.

Datos actuales y actualizaciones de la página

Última revisión de la página: 28 de octubre de 2026
Última actualización sustantiva: 28 de octubre de 2026
Datos verificados por última vez: 1 de enero de 2026
Año de los datos vigentes: 2026
Fuentes principales: U.S. Department of Housing and Urban Development, HUD, HUD — CHUMS forward limits file
Próxima revisión programada: 27 de noviembre de 2026
Revisión mensual actual: octubre de 2026
Fuente de datos en vivo: No

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

Programas de asistencia para el pago inicial en Colorado

Respuesta rápida: ¿Cómo funciona la asistencia para el pago inicial en Colorado?

Resumen

Preguntas rápidas

Con licencia en Colorado

Vea sus propios números

Revisión de octubre de 2026: asistencia para el pago inicial en Colorado

FHLBank Topeka Homeownership Set-Aside (AHP)

Mortgage Credit Certificate (MCC)

City of Colorado Springs LASSO / HBA

metroDPA (Denver-area)

CHFA FirstStep

CHFA Preferred (Conventional)

Vea qué programas de Colorado le corresponden

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

Colorado FHA loan limits (2026)

Colorado housing and lending data

Households and housing costs in Colorado (Census 2024)

Home-purchase mortgage activity across Colorado (2025)

Colorado house price trend

National mortgage market readings

Recent updates for Colorado

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

Taxes and closing charges in Colorado

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.

The loan has to survive wildfire insurance, mountain taxes and HOA math