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Colorado program

Pikes Peak Down Payment Assistance (PPDPA)

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.

0% soft second with split forgiveness schedule Repay later on trigger 2026-04-20
Agency El Paso County Administration
Support type 0% soft second with split forgiveness schedule
Amount highlight PPDPA can provide up to 5% of the first-mortgage loan amount as a 0% second mortgage for down payment assistance.
Last verified 2026-04-20

Use carefully

Forgiveness is split across two time horizons

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

PPDPA is not a flat grant and not the same thing as Hometown Heroes. The base program is a 0% second mortgage with part forgiven over 5 years and the rest forgiven at the end of the 30-year term.

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

PPDPA can provide up to 5% of the first-mortgage loan amount as a 0% second mortgage for down payment assistance.

Type

0% soft second with split forgiveness schedule

Repayment

El Paso County describes PPDPA as a 30-year deferred 0% second mortgage due on sale or refinance. The first 50% of the assistance is forgiven at 1/60th per month over the first 60 months of owner occupancy, and the remaining 50% is forgiven at the end of the 30-year term or first-mortgage maturity date if the borrower still meets the program conditions.

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, Repeat buyers are allowed, Buyers purchasing in El Paso County

What support do you get?

PPDPA can provide up to 5% of the first-mortgage loan amount as a 0% second mortgage for down payment assistance.

Do you repay it?

El Paso County describes PPDPA as a 30-year deferred 0% second mortgage due on sale or refinance. The first 50% of the assistance is forgiven at 1/60th per month over the first 60 months of owner occupancy, and the remaining 50% is forgiven at the end of the 30-year term or first-mortgage maturity date if the borrower still meets the program conditions.

How do you apply?

Use an El Paso County participating lender, choose an eligible 30-year fixed FHA, VA, USDA, or Freddie Mac conventional first mortgage, meet the current income limits, and complete homebuyer education if the selected loan path requires it. Homes must be in El Paso County, including Colorado Springs.

Official source evidence

The current El Paso County PPDPA page says the county is back with up to 5% down payment assistance through a 0% soft second mortgage, and the current Hometown Heroes page confirms that Hometown Heroes is only an extra 1% add-on layered on top of standard PPDPA rather than the base program itself.

View official source

Last verified

2026-04-20

2026-04-07

Paid preview

What paid access adds for Pikes Peak Down Payment Assistance (PPDPA)

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Comparison preview

Pikes Peak Down Payment Assistance (PPDPA)

Amount: PPDPA can provide up to 5% of the first-mortgage loan amount as a 0% second mortgage for down payment assistance.

Repayment: El Paso County describes PPDPA as a 30-year deferred 0% second mortgage due on sale or refinance. The first 50% of the assistance is forgiven at 1/60th per month over the first 60 months of owner occupancy, and the remaining 50% is forgiven at the end of the 30-year term or first-mortgage maturity date if the borrower still meets the program conditions.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • Pikes Peak Down Payment Assistance (PPDPA) requires a participating lender.
  • Pikes Peak Down Payment Assistance (PPDPA) must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Pikes Peak Down Payment Assistance (PPDPA) for this household and loan setup?
  • Which first-mortgage product must be paired with Pikes Peak Down Payment Assistance (PPDPA), and what breaks eligibility?

Action checklist preview

What you would do next

  • Review the official El Paso County PPDPA page for Pikes Peak Down Payment Assistance (PPDPA)
  • 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

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6 tracked deeper records

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What unlocks after payment

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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

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