Colorado Down Payment Assistance 2026 – Every Option Explained

Is the down payment the only thing keeping you from buying a home in Colorado? On a $400,000 home, even 3.5% down is about $14,000, and that’s before closing costs. The good news is that Colorado down payment assistance programs can cover some, most, or even all of it. I’m Adam with Colorado Start, The Down Payment Assistance Guy. In this video I explain the most common Colorado down payment assistance options, how they work, and the pros and cons of each, so you can pick the right one for your situation. In this video you’ll learn: ✅ The difference between a down payment assistance grant and a DPA loan ✅ CHFA DPA Grant vs. CHFA DPA Second Mortgage: amounts, repayment, and interest rates ✅ Which CHFA option tends to fit better if you plan to refinance, and which gets you more cash at closing ✅ CHFA requirements: 620 credit score, income limits, homebuyer education, and $1,000 of your own funds ✅ Metro DPA: higher income limits for buyers in specific Colorado cities and counties ✅ CHFA First Generation: a flat $25,000 deferred second mortgage for first-generation homebuyers Whether you’re a first-time homebuyer, a first-generation buyer, a teacher, a first responder, or buying again, there may be a program that fits you. Contact me to find out which Colorado down payment assistance programs you qualify for. Prefer to talk it through? Text or call me: Adam Macy, Colorado Start 📞 (303) 459-4220 📧 adam@coloradostart.com 🌐 https://www.coloradostart.com Subscribe for more Colorado home buying tips! #ColoradoDownPaymentAssistance #CHFA #FirstTimeHomeBuyer #ColoradoRealEstate #DownPaymentAssistance #ColoradoHomeBuyer #FirstGenerationHomeBuyer