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Colorado program

Colorado HFA1 and Colorado HFA1 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.

Broad statewide first mortgage with optional 0% silent second Deferred due on exit 2026-04-23
Agency Colorado Housing and Finance Authority (CHFA)
Support type Broad statewide first mortgage with optional 0% silent second
Amount highlight Current CHFA materials describe Colorado HFA1 as a statewide 30-year fixed purchase-mortgage family that can add an optional CHFA second mortgage worth up to the lesser of $25,000 or 4% of the first mortgage loan.
Last verified 2026-04-23

Use carefully

No purchase-price cap, but loan cap still applies

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

Colorado HFA1 is live and detail-safe as CHFA's broad statewide mortgage family. Public copy should keep the statewide income cap and loan-cap language together so buyers do not confuse “no purchase-price limits” with “no size limits at all.”

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 Colorado HFA1 as a statewide 30-year fixed purchase-mortgage family that can add an optional CHFA second mortgage worth up to the lesser of $25,000 or 4% of the first mortgage loan.

Type

Broad statewide first mortgage with optional 0% silent second

Repayment

Standard first-mortgage repayment applies to the base Colorado HFA1 loan. If HFA1 Plus is added, 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

Not 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 homebuyers using a CHFA participating lender, First-time and repeat buyers using FHA, VA, USDA-RD, Fannie Mae, or Freddie Mac purchase financing, Borrowers completing CHFA-approved homebuyer education before closing, Owner-occupant buyers meeting CHFA credit, DTI, and statewide income rules

What support do you get?

Current CHFA materials describe Colorado HFA1 as a statewide 30-year fixed purchase-mortgage family that can add an optional CHFA second mortgage worth up to the lesser of $25,000 or 4% of the first mortgage loan.

Do you repay it?

Standard first-mortgage repayment applies to the base Colorado HFA1 loan. If HFA1 Plus is added, 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 CHFA participating lender, complete CHFA-approved homebuyer education before closing, confirm current statewide income and underwriting rules, and add the optional CHFA HFA1 Plus second mortgage only if needed for down payment, closing costs, prepaids, principal reduction, or a permitted buydown.

Application timing

CHFA uses its HomeConnection lock process with a 60-day delivery period and up to six 10-day extensions for HFA1 reservations.

Official source evidence

Current CHFA materials show Colorado HFA1 and HFA1 Plus remain the broad statewide purchase-mortgage family for first-time and repeat buyers, with 30-year fixed financing across FHA, VA, USDA-RD, Fannie Mae, and Freddie Mac options plus an optional 0% silent second up to $25,000 or 4% of the first mortgage.

View official source

Last verified

2026-04-23

Colorado HFA1 matrix effective 2026-01-05; supporting CHFA pages verified 2026-04-23

Paid preview

What paid access adds for Colorado HFA1 and Colorado HFA1 Plus

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Colorado HFA1 and Colorado HFA1 Plus

Amount: Current CHFA materials describe Colorado HFA1 as a statewide 30-year fixed purchase-mortgage family that can add an optional CHFA second mortgage worth up to the lesser of $25,000 or 4% of the first mortgage loan.

Repayment: Standard first-mortgage repayment applies to the base Colorado HFA1 loan. If HFA1 Plus is added, 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: Not required

Risk checks preview

What gets flagged before you call a lender

  • Colorado HFA1 and Colorado HFA1 Plus requires a participating lender.
  • Colorado HFA1 and Colorado HFA1 Plus must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Colorado HFA1 and Colorado HFA1 Plus for this household and loan setup?
  • Which first-mortgage product must be paired with Colorado HFA1 and Colorado HFA1 Plus, and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official Colorado HFA1 and HFA1 Plus matrix for Colorado HFA1 and Colorado HFA1 Plus
  • Ask whether your lender is approved for this exact program and loan structure.
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

These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.

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 after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

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

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Full state board

See what this should be compared against

6 tracked deeper leads sit behind the full Colorado board around this program.

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Risk and lender prep

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Action queue

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