Official program database FirstResponderHomePrograms

Public facts first. Not a lender.

Colorado program

El Paso County Hometown Heroes

Colorado route through El Paso County Administration. 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.

Add-on grant layered onto county DPA Repay later on trigger 2026-04-20
Agency El Paso County Administration
Support type Add-on grant layered onto county DPA
Amount highlight Hometown Heroes adds an additional 1% of the total loan amount as a non-repayable grant on top of the standard PPDPA package. The county's current PPDPA page says the additional 1% grant is being offered for the first 75 loans to close.
Last verified 2026-04-20

Use carefully

Extra grant has a closing-count limit

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

This is not a standalone county grant. The extra 1% is limited to the first 75 loans to close and only works when the borrower also uses the core PPDPA mortgage package.

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

Hometown Heroes adds an additional 1% of the total loan amount as a non-repayable grant on top of the standard PPDPA package. The county's current PPDPA page says the additional 1% grant is being offered for the first 75 loans to close.

Type

Add-on grant layered onto county DPA

Repayment

The extra Hometown Heroes 1% portion is published as a non-repayable grant. It must be used together with the standard PPDPA structure, which the county describes as a 0% 30-year deferred second mortgage due on sale or refinance, with 50% forgiven pro rata over the first 60 months and the remaining 50% forgiven at the end of the 30-year period.

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?

Full-time K-12 education employees, Full-time first responder professionals, Full-time healthcare professionals, Veterans, Active-duty military

What support do you get?

Hometown Heroes adds an additional 1% of the total loan amount as a non-repayable grant on top of the standard PPDPA package. The county's current PPDPA page says the additional 1% grant is being offered for the first 75 loans to close.

Do you repay it?

The extra Hometown Heroes 1% portion is published as a non-repayable grant. It must be used together with the standard PPDPA structure, which the county describes as a 0% 30-year deferred second mortgage due on sale or refinance, with 50% forgiven pro rata over the first 60 months and the remaining 50% forgiven at the end of the 30-year period.

How do you apply?

Use a PPDPA participating lender and apply for the PPDPA first-mortgage package. The home must be in El Paso County, the borrower must document a qualifying Hometown Heroes profession, and first-time buyers using Freddie Mac HFA Advantage conventional loans must complete homebuyer education. The county says the extra 1% grant is limited to the first 75 loans to close.

Official source evidence

The official Hometown Heroes page says qualifying borrowers receive the first mortgage loan, standard PPDPA down payment assistance, and an additional 1% of the total loan amount as a non-repayable grant. The official PPDPA page also says the add-on is being offered for the first 75 loans to close, that PPDPA itself is a 0% fully forgivable soft second up to 5%, and that borrowers must use a participating lender.

View official source

Last verified

2026-04-20

Effective date not captured.

Paid preview

What paid access adds for El Paso County Hometown Heroes

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

El Paso County Hometown Heroes

Amount: Hometown Heroes adds an additional 1% of the total loan amount as a non-repayable grant on top of the standard PPDPA package. The county's current PPDPA page says the additional 1% grant is being offered for the first 75 loans to close.

Repayment: The extra Hometown Heroes 1% portion is published as a non-repayable grant. It must be used together with the standard PPDPA structure, which the county describes as a 0% 30-year deferred second mortgage due on sale or refinance, with 50% forgiven pro rata over the first 60 months and the remaining 50% forgiven at the end of the 30-year period.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • El Paso County Hometown Heroes requires a participating lender.
  • El Paso County Hometown Heroes must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

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

Action checklist preview

What you would do next

  • Review the official Hometown Heroes page for El Paso County Hometown Heroes
  • 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.

Open the full Colorado board

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.

Save and compare

Keep this program in your shortlist

Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.

Save this program for side-by-side comparison and later follow-up.

Full state board

See what this should be compared against

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

Open the full Colorado board

Risk and lender prep

Catch friction before you call

Use the paid layer for overlap checks, repayment friction, occupancy traps, and lender questions tied to this exact program.

Open shortlist

Action queue

Turn this page into next steps

Paid access turns the public facts into a follow-up list, lender-call order, and a clearer backup-path plan.

Open decision layer