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Colorado program

CHFA FirstGeneration Program

Colorado route through Colorado Housing and Finance Authority (CHFA). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

0% silent second mortgage paired with FHA first mortgage Occupancy-based silent second 2026-04-23
Agency Colorado Housing and Finance Authority (CHFA)
Support type 0% silent second mortgage paired with FHA first mortgage
Amount highlight Current CHFA materials describe FirstGeneration as a 30-year fixed FHA purchase mortgage paired with a fixed $25,000 second mortgage for down payment assistance.
Last verified 2026-04-23

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Do not flatten county-based tax-exempt limits into one statewide cap

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

FirstGeneration is live and detail-safe, but the public page should keep three things clear: it is not a grant, it does not use one statewide income cap, and it is separate from FirstStep and HFA1.

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Amount

Current CHFA materials describe FirstGeneration as a 30-year fixed FHA purchase mortgage paired with a fixed $25,000 second mortgage for down payment assistance.

Type

0% silent second mortgage paired with FHA first mortgage

Repayment

Standard first-mortgage repayment applies to the FHA first mortgage. The $25,000 second mortgage carries 0% interest, no monthly payments, and no accrued interest, and becomes due in full when the home is sold, refinanced, or no longer owner-occupied as the primary residence.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

Colorado first-generation homebuyers using a CHFA participating lender, First-time homebuyers meeting CHFA first-generation eligibility rules, Borrowers completing CHFA-approved homebuyer education before closing, Owner-occupant buyers purchasing with the CHFA FirstGeneration FHA first mortgage

What support do you get?

Current CHFA materials describe FirstGeneration as a 30-year fixed FHA purchase mortgage paired with a fixed $25,000 second mortgage for down payment assistance.

Do you repay it?

Standard first-mortgage repayment applies to the FHA first mortgage. The $25,000 second mortgage carries 0% interest, no monthly payments, and no accrued interest, and becomes due in full when the home is sold, refinanced, or no longer owner-occupied as the primary residence.

How do you apply?

Complete CHFA-approved homebuyer education, work with a CHFA participating lender, document first-generation status and first-time-buyer eligibility, and let the lender submit the file for CHFA compliance review before closing.

Application timing

CHFA publishes a 60-day delivery period with up to six 10-day extensions and requires program compliance review before closing.

Official source evidence

Current CHFA materials show FirstGeneration remains a live statewide tax-exempt FHA purchase family with a fixed $25,000 0% silent second mortgage, county-based limits, CHFA education, and participating-lender delivery.

View official source

Last verified

2026-04-23

CHFA FirstGeneration matrix effective 2026-01-05; supporting CHFA pages verified 2026-04-23

Paid preview

What paid access adds for CHFA FirstGeneration Program

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Comparison preview

CHFA FirstGeneration Program

Amount: Current CHFA materials describe FirstGeneration as a 30-year fixed FHA purchase mortgage paired with a fixed $25,000 second mortgage for down payment assistance.

Repayment: Standard first-mortgage repayment applies to the FHA first mortgage. The $25,000 second mortgage carries 0% interest, no monthly payments, and no accrued interest, and becomes due in full when the home is sold, refinanced, or no longer owner-occupied as the primary residence.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • CHFA FirstGeneration Program requires a participating lender.
  • CHFA FirstGeneration Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate CHFA FirstGeneration Program for this household and loan setup?
  • Which first-mortgage product must be paired with CHFA FirstGeneration Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official CHFA FirstGeneration consumer page for CHFA FirstGeneration Program
Open the full Colorado board

Paid research preview

What paid research already covers in Colorado

Paid research already tracks city and county programs, employer-assisted paths, public employee or pension paths, specialty and conditional paths for Colorado.

6 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

1 tracked

public employee or pension paths

Public employee or pension-backed mortgage angles that need slower source review.

3 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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