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Colorado program

CHFA Homeownership

Colorado route through Colorado Housing and Finance Authority. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

First mortgage plus grant or deferred second mortgage assistance No repayment 2026-04-19
Agency Colorado Housing and Finance Authority
Support type First mortgage plus grant or deferred second mortgage assistance
Amount highlight Up to the lesser of $25,000 or 3% of the first mortgage as a DPA grant, or up to the lesser of $25,000 or 4% of the first mortgage as a DPA second mortgage. Certain permanent-disability and first-generation variants can reach up to $25,000 regardless of first-mortgage amount.
Last verified 2026-04-19

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Colorado program hub

Amount

Up to the lesser of $25,000 or 3% of the first mortgage as a DPA grant, or up to the lesser of $25,000 or 4% of the first mortgage as a DPA second mortgage. Certain permanent-disability and first-generation variants can reach up to $25,000 regardless of first-mortgage amount.

Type

First mortgage plus grant or deferred second mortgage assistance

Repayment

Grant requires no repayment. DPA second mortgage repayment is deferred until payoff of the first mortgage, sale or refinance of the home, or if the home is no longer owner-occupied as the primary residence.

First-time buyer

Unknown

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

First-time homebuyers, Non-first-time homebuyers, First-generation homebuyers, Individuals living with a permanent disability

What support do you get?

Up to the lesser of $25,000 or 3% of the first mortgage as a DPA grant, or up to the lesser of $25,000 or 4% of the first mortgage as a DPA second mortgage. Certain permanent-disability and first-generation variants can reach up to $25,000 regardless of first-mortgage amount.

Do you repay it?

Grant requires no repayment. DPA second mortgage repayment is deferred until payoff of the first mortgage, sale or refinance of the home, or if the home is no longer owner-occupied as the primary residence.

How do you apply?

Contact a CHFA Participating Lender through CHFA's statewide lender network; CHFA does not lend directly to consumers.

Official source evidence

CHFA offers home loans with grants or second mortgage loans for down payment and closing cost assistance, including up to $25,000 support on certain variants through participating lenders.

View official source

Last verified

2026-04-19

2025-07

Paid preview

What paid access adds for CHFA Homeownership

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Comparison preview

CHFA Homeownership

Amount: Up to the lesser of $25,000 or 3% of the first mortgage as a DPA grant, or up to the lesser of $25,000 or 4% of the first mortgage as a DPA second mortgage. Certain permanent-disability and first-generation variants can reach up to $25,000 regardless of first-mortgage amount.

Repayment: Grant requires no repayment. DPA second mortgage repayment is deferred until payoff of the first mortgage, sale or refinance of the home, or if the home is no longer owner-occupied as the primary residence.

First-time buyer: Unknown

Risk checks preview

What gets flagged before you call a lender

  • CHFA Homeownership requires a participating lender.
  • CHFA Homeownership can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Does CHFA Homeownership require a participating lender for this household and loan setup?
  • Which events trigger repayment for CHFA Homeownership: sale, refinance, non_owner_occupancy?

Action checklist preview

What you would do next

  • Confirm whether CHFA Homeownership requires a participating lender.
  • Review the official Program flyer for CHFA Homeownership.
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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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Private workspace

What paid access adds to this program

The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.

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Decision output

Comparison, risk checks, and lender prep

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