Find the down payment assistance you need.
Down payment assistance is available nationwide for income- and credit-qualified buyers ready for homeownership. Our platform provides a customizable search experience that matches buyers with programs that meet their individual homebuying needs.
Did You Know?
Mortgage Ready: 36%. Why rent when you can buy? A recent study by Freddie Mac found that 36% (approx. 41 million) of their population data set was ready to buy a home, based on credit and current debt.
Average Homebuyer Age: 33. The National Association of Realtors (NAR) shows the average age for first-time homebuyers is 33 this year, but why wait? You don’t need a 20% down payment, and down payment assistance may be available.
Incentive Programs: 16%. Are you a community hero? Almost 16% of all programs offer special incentives for veterans, active military personnel, doctors, firefighters, educators, and healthcare workers.
Down Payment Assistance: Your Path to Homeownership
One of the biggest challenges many buyers face is simply coming up with enough money for a down payment — but you don’t always need to save 20% of a home’s price before you can buy. Down payment assistance (DPA) programs are designed to help bridge that gap and make homeownership more accessible.
What Down Payment Assistance Is
Down payment assistance programs offer financial support to eligible homebuyers — often in the form of grants or loans — to help cover down payment and closing costs. These programs can be a game-changer for buyers who might otherwise struggle to afford upfront costs.
How It Works
Instead of requiring tens of thousands of dollars upfront, many mortgage programs require only a small down payment (as low as 3–5%). On top of that, DPA funds can be paired with your mortgage loan to make those upfront costs easier to manage.
DownPaymentResource.com helps you find programs tailored to where you’re buying by matching you with assistance programs that meet your specific needs. You can search by location, purchase price, household size, and other factors to discover what options are available in your area.
Who Can Benefit
- First-time buyers — many programs are designed especially for people who haven’t owned a home within the last few years.
- Repeat buyers — nearly 40% of programs aren’t limited only to first-timers, so repeat homebuyers may qualify too.
- Special groups — many programs offer additional incentives for veterans, active-duty military, educators, firefighters, healthcare workers, and other community heroes.
Why It Matters
Down payment assistance can significantly improve affordability by reducing or eliminating upfront cash barriers. This often leads to greater buying power, a smoother path to homeownership, and less stress about saving for years before you’re ready to buy.
Colorado Down Payment & Closing-Cost Assistance Programs
CHFA (Colorado Housing and Finance Authority) – Down Payment Assistance
800-877-2432
https://www.chfainfo.com/homeownership/down-payment-assistance
metroDPA (Front Range; sponsored by City & County of Denver)
720-913-1634 (Denver HOST main line)
https://denvergov.org/…/Affordable-Home-Ownership/metroDPA
Colorado Housing Assistance Corporation (CHAC) – statewide DPA/closing cost help
303-572-9445
https://chaconline.org
Colorado Housing Enterprises, Inc. (statewide; listed via Boulder’s DPA guide)
303-428-1448
https://www.crhdc.org
Del Norte Neighborhood Development Corporation (Denver-metro/Front Range counties)
303-477-4774
https://www.delnortendc.org
Douglas County Housing Partnership (DCHP) – Douglas County
303-784-7857
https://douglascountyhousingpartnership.org
Grand County Housing Authority (GCHA) – Grand County
970-725-3070
https://www.co.grand.co.us/1155/Down-Payment-Assistance
HomesFund – Southwest CO (Archuleta, Dolores, La Plata, Montezuma, San Juan)
970-259-1418
https://homesfund.org
Landed (down payment support for Colorado educators)
303-981-3397
https://www.landed.com
City of Aurora – Down Payment Assistance
303-739-7900
https://www.auroragov.org/residents/community_development/down_payment_assistance
City of Greeley – G-HOPE (down payment incentives)
970-350-9380
https://greeleyco.gov/residents/resources/housing-solutions
If you want to expand beyond the big programs above, Colorado Housing Connects is a solid statewide starting point (they also run a housing helpline).
Colorado Housing Connects (directory + helpline)
844-926-6632
https://coloradohousingconnects.org