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Colorado program

metroDPA

Colorado route through City and County of Denver. 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% deferred second mortgage Check official rules 2026-04-20
Agency City and County of Denver
Support type 0% deferred second mortgage
Amount highlight Current metroDPA materials show the baseline program at 2% to 3% of the first-loan amount depending on loan type and income band, while the Denver Advantage variation can reach 5% for eligible Denver executions.
Last verified 2026-04-20

Use carefully

Older partner language can overstate forgiveness or 5% assistance

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

Baseline metroDPA should be read separately from Denver Advantage and other legacy partner examples. Current baseline public guides describe a non-forgivable 0% deferred second mortgage.

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 metroDPA materials show the baseline program at 2% to 3% of the first-loan amount depending on loan type and income band, while the Denver Advantage variation can reach 5% for eligible Denver executions.

Type

0% deferred second mortgage

Repayment

Current eHousingPlus guides say the baseline metroDPA second mortgage carries 0% interest, has no monthly payment, runs for 30 years, and is never forgiven. The balance becomes due if the property is sold, transferred, refinanced, the first mortgage is paid off, or the home stops being owner-occupied.

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?

General homebuyers, Borrowers purchasing within the Front Range eligible area

What support do you get?

Current metroDPA materials show the baseline program at 2% to 3% of the first-loan amount depending on loan type and income band, while the Denver Advantage variation can reach 5% for eligible Denver executions.

Do you repay it?

Current eHousingPlus guides say the baseline metroDPA second mortgage carries 0% interest, has no monthly payment, runs for 30 years, and is never forgiven. The balance becomes due if the property is sold, transferred, refinanced, the first mortgage is paid off, or the home stops being owner-occupied.

How do you apply?

Applicants must use a metroDPA approved lender, complete required homebuyer education for all borrowers or title holders, obtain a 30-year fixed first mortgage, and buy within the published Front Range eligible area. The home must become the buyer's principal residence within 60 days of closing.

Official source evidence

Denver's current sponsor page, metro-dpa.com, and current eHousingPlus highlights all present metroDPA as an active program, and the current guides describe the baseline second mortgage as 0% interest, deferred for 30 years, and never forgiven.

View official source

Last verified

2026-04-20

2026-02-09

Paid preview

What paid access adds for metroDPA

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

metroDPA

Amount: Current metroDPA materials show the baseline program at 2% to 3% of the first-loan amount depending on loan type and income band, while the Denver Advantage variation can reach 5% for eligible Denver executions.

Repayment: Current eHousingPlus guides say the baseline metroDPA second mortgage carries 0% interest, has no monthly payment, runs for 30 years, and is never forgiven. The balance becomes due if the property is sold, transferred, refinanced, the first mortgage is paid off, or the home stops being owner-occupied.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • metroDPA requires a participating lender.
  • metroDPA must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

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

Action checklist preview

What you would do next

  • Review the official Denver sponsor page for metroDPA
  • 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

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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 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

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