Help to buy in Colorado
Home-buying assistance programs in Colorado
2 official programs for down payment and closing cost help in Colorado, from Colorado Housing and Finance Authority. We show what each program says on its own page, with the date we checked it.
Key numbers in Colorado
- Verified programs
- 2
- from Colorado Housing and Finance Authority
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 2 · unconfirmed: 0
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
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Grant
Grant you never repay
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Deferred
Second loan with no payments until you sell or refinance
The full list
Programs in Colorado
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
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- Grant
- Deferred
Colorado state agency help with the down payment or closing costs: a grant of up to 3% of the mortgage or a deferred second mortgage of up to 4%, both capped at $25,000
What it gives, per the source
Up to the lesser of $25,000 or 3 percent of your first mortgage … No repayment required. … Up to the lesser of $25,000 or 4 percent of your first mortgage … Repayment of loan balance deferred until certain events, such as payoff of your first mortgage, or the sale or refinance of the home, or the home is no longer your primary residence.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- No, per its site
Run by Colorado Housing and Finance Authority (CHFA)
Verified November 5, 2026
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- Deferred
$25,000 from the Colorado state agency for the down payment of first-generation buyers (neither you nor your parents have owned a home); repaid when you sell, refinance or pay off the mortgage
What it gives, per the source
Open, per the source
More affordable homeownership: $25,000 down payment assistance … Must use a CHFA first mortgage loan … Repayment of loan balance deferred until events such as payoff of first mortgage loan, sale of home, refinance of home, or the home is no longer your primary residence
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- No, per its site
Run by Colorado Housing and Finance Authority (CHFA)
Verified November 5, 2026
No program matches your search.
Rent help
Help with rent and utility bills in Colorado
One program we checked in Colorado to pay rent, power or gas, or avoid an eviction, with what its page says.
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Temporary Rental and Utility Assistance (TRUA)
Run by City and County of Denver, Department of Housing Stability (HOST) · Denver, Denver County
City of Denver help with back rent and utilities for renters with an eviction notice; it opens each month and picks applications at random
Paused, per the source
See details
Help to repair your home
Repair programs in Colorado
One program we checked in Colorado to repair your home or make it more efficient, with what its page says.
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Weatherization Assistance Program
Run by Colorado Energy Office (CEO)
Colorado weatherization program: upgrades that cut energy use in low-income homes, through local agencies
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Colorado?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 2; not confirmed on its site, 0. Ask the participating lender directly before you start, and ask for it in writing.