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Colorado program

CHFA SectionEight Homeownership and CHFA SectionEight Homeownership Plus

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.

Voucher-gated first mortgage with optional grant or 0% silent second Multiple repayment paths 2026-04-23
Agency Colorado Housing and Finance Authority (CHFA)
Support type Voucher-gated first mortgage with optional grant or 0% silent second
Amount highlight Current CHFA materials describe the SectionEight family as a 30-year fixed voucher-homeownership mortgage with either a grant up to the lesser of $25,000 or 3% of the first mortgage, or a SectionEight Plus second mortgage up to the lesser of $25,000 or 4% of the first mortgage.
Last verified 2026-04-23

Use carefully

Use the 2026 matrix for current limits and disclose the older linked PDF conflict

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

SectionEight Homeownership Plus is live and detail-safe, but it is a voucher-gated CHFA family. Public copy should not flatten it into a general statewide DPA and should disclose the official income-limit conflict.

Source note: The current 2026 matrix publishes a statewide income limit of $174,440, while an older CHFA-linked SectionEight income-limits PDF still shows 2021 figures. The matrix is the newer source.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Colorado program hub if you need the wider state context.

Amount

Current CHFA materials describe the SectionEight family as a 30-year fixed voucher-homeownership mortgage with either a grant up to the lesser of $25,000 or 3% of the first mortgage, or a SectionEight Plus second mortgage up to the lesser of $25,000 or 4% of the first mortgage.

Type

Voucher-gated first mortgage with optional grant or 0% silent second

Repayment

Standard first-mortgage repayment applies to the base SectionEight Homeownership loan. The grant requires no repayment. If SectionEight Plus is used instead, the optional second mortgage is a 0% silent second with no monthly payments and no accrued interest, due in full upon sale, refinance, or when the property is no longer the borrower's primary residence.

First-time buyer

Varies

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?

First-time homebuyers or qualified veterans using a tenant-based Housing Choice Voucher, Borrowers approved by a CHFA-approved public housing authority for Section 8 homeownership use, Owner-occupant buyers working with a SectionEight-certified CHFA participating lender, Borrowers completing CHFA-approved homebuyer education before closing

What support do you get?

Current CHFA materials describe the SectionEight family as a 30-year fixed voucher-homeownership mortgage with either a grant up to the lesser of $25,000 or 3% of the first mortgage, or a SectionEight Plus second mortgage up to the lesser of $25,000 or 4% of the first mortgage.

Do you repay it?

Standard first-mortgage repayment applies to the base SectionEight Homeownership loan. The grant requires no repayment. If SectionEight Plus is used instead, the optional second mortgage is a 0% silent second with no monthly payments and no accrued interest, due in full upon sale, refinance, or when the property is no longer the borrower's primary residence.

How do you apply?

Work with a SectionEight-certified CHFA participating lender, confirm that the public housing authority approves homeownership use of the voucher, complete CHFA-approved homebuyer education, obtain a fully executed purchase contract and letter of readiness, and let the lender submit the file for CHFA program compliance review before closing. If the second mortgage is used, it is submitted together with the first mortgage.

Application timing

CHFA uses its 60-day delivery period and compliance-review process for SectionEight Homeownership reservations.

Official source evidence

Current CHFA materials show SectionEight Homeownership and SectionEight Plus remain live statewide for voucher-homeownership borrowers, with a distinct Section 8 eligibility path, a grant-or-second structure, and an official 2026 matrix that conflicts with one older linked income-limits PDF.

View official source

Last verified

2026-04-23

CHFA SectionEight Homeownership and Plus matrix effective 2026-01-05; supporting CHFA pages verified 2026-04-23

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Comparison preview

CHFA SectionEight Homeownership and CHFA SectionEight Homeownership Plus

Amount: Current CHFA materials describe the SectionEight family as a 30-year fixed voucher-homeownership mortgage with either a grant up to the lesser of $25,000 or 3% of the first mortgage, or a SectionEight Plus second mortgage up to the lesser of $25,000 or 4% of the first mortgage.

Repayment: Standard first-mortgage repayment applies to the base SectionEight Homeownership loan. The grant requires no repayment. If SectionEight Plus is used instead, the optional second mortgage is a 0% silent second with no monthly payments and no accrued interest, due in full upon sale, refinance, or when the property is no longer the borrower's primary residence.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

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

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate CHFA SectionEight Homeownership and CHFA SectionEight Homeownership Plus for this household and loan setup?
  • Which events trigger repayment for CHFA SectionEight Homeownership and CHFA SectionEight Homeownership Plus: sale, refinance, non_owner_occupancy?

Action checklist preview

What you would do next

  • Review the official CHFA SectionEight Homeownership and Plus matrix for CHFA SectionEight Homeownership and CHFA SectionEight Homeownership Plus
  • Ask whether your lender is approved for this exact program and loan structure.
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