By David Parks · eXp Realty · The Apollo Group · 2 min read
Colorado offers programs, such as those from the Colorado Housing and Finance Authority (CHFA), that can help eligible buyers with down payments and closing costs. Rules vary by income, price limits, and credit.
Programs may offer second loans, grants, or deferred payment loans to help with down payment and closing costs. Some offer reduced-rate first mortgages, and some are tied to homebuyer education courses.
Start with CHFA and your city or county housing office, as well as local nonprofits. Ask lenders whether they participate in these programs, since not every lender does.
Assistance may come with terms such as repayment when you sell or refinance. Read the details, and ask a lender to compare the total costs. Programs change over time, so check current requirements before relying on them.
This article is general information, not legal, tax, financial or inspection advice. Every home and situation is different, so confirm details with a licensed inspector, lender, attorney or tax professional.
David is a Greater Denver real estate advisor with eXp Realty and The Apollo Group (Colorado broker license FA100103211). He has closed more than $55 million in volume, earned eXp Icon status in 2025, and holds a 5.0 rating on Zillow from 27 verified reviews.
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