Down payment assistance
Down payment assistance for HUD homes in Colorado
CHFA, metroDPA, county programs, the new 25% teacher program and HUD’s own $100 down: every one of them works on a HUD home, and the right stack gets a first-time buyer in for about $1,000. Here is which program fits which listing, city by city, with the homes for sale right now.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
$100 down and 3% closing help
HUD waives the FHA down payment to $100 on eligible listings and pays up to 3% of closing costs if you ask in the bid.
CHFA grant or second
Up to 3% as a grant or 4% as a 0% deferred second, for buyers under the county income limit with a 620 score.
metroDPA, 6% forgivable
A 0% second up to 6% of the loan, forgiven after three years, income to $210,150, most metro cities.
Schools To Home, 25%
Colorado’s 2026 program: up to 25% of the first mortgage for full-time public school employees, deferred, with shared appreciation.
Yes, you can use down payment assistance on a HUD home. Here is how it actually stacks.
HUD sells the house. HUD does not lend you the money and does not care where your down payment comes from, as long as your lender documents it. That means every Colorado assistance program that works on a normal FHA or conventional purchase works on a HUD home, and HUD adds two of its own on top: the $100 down incentive and up to 3% of closing costs paid out of the sale. Put the right pieces together on the right listing and a first-time buyer closes with about $1,000. This page is the map; the program pages below have the rules; the city pages have the local programs, the school districts and the HUD homes for sale right now.
| Program | What you get | Who | Stacks with |
|---|---|---|---|
| HUD $100 down | $100 down instead of 3.5% on an FHA loan | Owner-occupants, on listings that carry the incentive | CHFA, metroDPA, county programs, HUD closing-cost help |
| HUD closing-cost help | Up to 3% of the price toward closing costs, written into the bid | Any bidder who asks; it lowers HUD’s net | Everything; counts as a seller credit (FHA caps credits at 6%) |
| CHFA grant or second | Grant up to 3% (max $25,000) or a 0% deferred second up to 4% (max $25,000) of the first mortgage | CHFA first mortgage, 620 score, income under the county limit, $1,000 of your own money, homebuyer class | FHA $100 down, HUD closing help, most county programs |
| metroDPA | Up to 6% of the first mortgage as a 0% second, forgiven after 3 years in the home | Income under $210,150, 640 score (620 on some loans), participating city or county, no first-time rule | FHA $100 down, HUD closing help; not with a CHFA second (one second lien) |
| CHFA Schools To Home | Up to 25% of the first mortgage as a deferred second with shared appreciation | Full-time preK-12 public school employees, income under $178,920, Fannie Mae conventional loan only | HUD closing help, a grant; not with FHA $100 down or any other second lien |
| Good Neighbor Next Door | 50% off the appraised value on homes in HUD revitalization areas | Full-time teachers, sworn officers, firefighters, EMTs; 36-month residency; lottery | FHA $100 down, CHFA, HUD closing help |
Pick your program
CHFA
Colorado’s statewide grant (3%) or 0% second (4%), income limits by county, 620 score, one class.
metroDPA
Up to 6% forgiven after three years, income to $210,150, most metro cities and counties.
Teachers and school staff
Schools To Home: up to 25% of the first mortgage. Plus Good Neighbor Next Door at half price.
County and city programs
Aurora, Adams County, Douglas County, Greeley, Denver and the ones that come and go.
Down payment help by city, with the HUD homes for sale there
Each city page lists the programs that work at that address, the school districts for the teacher program, the county income limits, and every HUD home for sale in that city right now.
The $1,000 stack, in one picture
- FHA loan with HUD’s $100 down on an IN or IE listing that carries the incentive. Down payment: $100.
- CHFA grant or metroDPA covers closing costs and prepaids, typically $8,000 to $12,000 on a $300,000 to $400,000 home.
- HUD closing-cost help (up to 3%) on a listing where the net can stand it, or bid slightly higher and keep it.
- Your $1,000 is the earnest money you already delivered, and CHFA’s minimum contribution.
What buyers miss when nobody explains this
- They save for two more years for a down payment HUD would have waived to $100.
- They use the wrong lender. A lender who has not closed a HUD file quotes 3.5% down and never mentions CHFA.
- They stack two second liens and the file dies in underwriting a week before the HUD deadline.
- Teachers bid FHA and lose the 25% program, or bid conventional and lose the $100 down; the guide on the teacher page shows which is worth more on which house.
Questions people ask before they call
Can I use down payment assistance to buy a HUD home in Colorado?
Yes. HUD sells the house and does not care where your down payment comes from, as long as your lender documents it. CHFA, metroDPA, county programs and the teacher program all work on a HUD home; the only rule is that the program has to allow the loan type the listing code requires (FHA on IN and IE homes, a 203(k) or conventional renovation loan on UI homes).
Does the $100 down program stack with CHFA or metroDPA?
Yes. The $100 down is HUD’s incentive on the FHA first mortgage; CHFA or metroDPA covers closing costs and prepaids on top of it. The one combination that does not work is two second liens at once, so you pick CHFA’s second or metroDPA, not both (a CHFA grant is not a lien and can pair with either).
Can teachers use the Schools To Home 25% program on a HUD home?
Yes, with one catch: Schools To Home requires a Fannie Mae conventional first mortgage, so it works on IN homes (and IE homes when the lender allows the repair escrow), it does not combine with the FHA $100 down, and it cannot sit behind another second lien. On a $300,000 HUD home the assistance can be about $75,000, which covers the down payment and closing costs and then some.
Will asking HUD for closing-cost help cost me the bid?
It can, in a competitive 15-day window, because HUD scores bids by net. On a home that has sat into the extended period or had a price cut, ask for it. On a new insured listing with a $100 down flag, bid a little higher and keep the help instead, or skip it. Your agent should run both versions.
Free guides that go with this page
$100 Down: The HUD Home Financing Guide
The stack that gets a buyer in for about $1,000, worked three ways. 14 pages, free.
The Colorado HUD Home Buyer’s Playbook
How the bidding really works, the nine ways buyers lose, the worksheet. 18 pages, free.
Good Neighbor Next Door: The 50% Off Guide
For teachers, police, firefighters and EMTs: the lottery, the 36-month rule, how to enter. Free.
Where to go next
- Financing a HUD home: IN, IE, UI and which loan fits
- The HUD $100 down program in Colorado
- Good Neighbor Next Door in Colorado
- How to buy a HUD home, step by step
- Get pre-approved with Mike Oswald at Rate
- CHFA down payment assistance explained on kennarealestate.com
- Colorado first-time buyer programs on kennarealestate.com
- Search HUD listings on kennarealestate.com
HUD homes available now in metro Denver
Pulled from HUD’s live inventory and refreshed twice a day. Bid deadlines move and homes drop off the day a bid is accepted, so confirm any of these with us before you plan around it. Only a HUD-registered agent can place your bid; that is us, and it costs you nothing.
5785 Piney River Pl
Brighton, Adams County · 3 bed · 2.1 bath · IN$100 down
$526,000
1575 S Trenton Ct
Denver, Denver County · 3 bed · 2 bath · IE$100 down
$480,000
10630 W 46th Ave
Wheat Ridge, Jefferson County · 2 bed · 1 bath · IE$100 down
$416,000
4374 W Pondview Dr
Littleton, Arapahoe County · 2 bed · 2 bath · IE$100 down
$370,000
10351 W Girton Dr 2
Lakewood, Jefferson County · 2 bed · 2 bath · IN$100 down
$356,000
1608 Oakland St
Aurora, Adams County · 2 bed · 1 bath · IE$100 down
$305,000
1030 S Zeno Way
Aurora, Arapahoe County · 3 bed · 3 bath · IE$100 down
$295,000
3550 S Harlan Street Unit 242
Denver, Denver County · 2 bed · 2 bath · IN
$225,000
17113 E Ford Drive
Aurora, Arapahoe County · 2 bed · 2 bath · IE$100 down
$200,000
8047 Wolff Street #h
Westminster, Adams County · 3 bed · 1.1 bath · IE$100 down
$194,400
26029 Edelweiss Cir
Evergreen, Jefferson County · 1 bed · 1 bath · UI$100 down
$170,000
17670 E Loyola Dr Unit B
Aurora, Arapahoe County · 1 bed · 1 bath · IN$100 down
$160,000
495 South Dayton St Unit# 1c
Denver, Denver County · 2 bed · 1 bath · IN$100 down
$145,000
Across the rest of Colorado
Pueblo, the mountains and the Eastern Plains produce most of the state’s lowest-priced HUD homes. Same rules, same process, and we submit bids statewide.
7443 Little Chief Ct
Fountain, El Paso County · 3 bed · 2 bath · IN$100 down
$400,000
406 High Pasture Rd
Florissant, Teller County · 3 bed · 2 bath · IE$100 down
$390,000
645 Cowboy Way
Canon City, Fremont County · 3 bed · 2.1 bath · IE$100 down
$330,000
1109 Russell Avenue
La Junta, Otero County · 3 bed · 1 bath · IE$100 down
$276,000
120 E 5th St
Julesburg, Sedgwick County · 3 bed · 3 bath · IE$100 down
$235,000
2020 Aspen St
Grand Junction, Mesa County · 3 bed · 1 bath · UI$100 down
$205,000
1226 Pennsylvania Ave
Canon City, Fremont County · 3 bed · 2 bath · IE$100 down
$176,000
10536 Highway 65
Austin, Delta County · 3 bed · 2 bath · IE$100 down
$163,200
3585-3586 Al Fresco Way
Crestone, Saguache County · 2 bed · 1 bath · IE$100 down
$159,700
27424 Frontage Road
La Junta, Otero County · 2 bed · 1 bath · IE$100 down
$152,000
1831 Spruce St
Pueblo, Pueblo County · 2 bed · 1 bath · UI$100 down
$140,000
1030 E 7th Street
Craig, Moffat County · 2 bed · 1 bath · UI$100 down
$139,000
1522 E 4th St
Pueblo, Pueblo County · 2 bed · 1.1 bath · UI$100 down
$131,200
2801 Franklin Ave
Pueblo, Pueblo County · 2 bed · 1 bath · IE$100 down
$128,000
2431 Wyoming Ave
Pueblo, Pueblo County · 2 bed · 1 bath · UI
$115,000
240 Locust Ave
Las Animas, Bent County · 3 bed · 2 bath · IE$100 down
$114,000
Full details on every HUD home in Colorado
Photos, every fact HUD publishes, the financing code, the $100 down flag and the HUD documents for the home, on one page each.
- 1030 E 7th Street, Craig$139,000
- 1030 S Zeno Way, Aurora$295,000
- 10351 W Girton Dr 2, Lakewood$356,000
- 10536 Highway 65, Austin$163,200
- 10630 W 46th Ave, Wheat Ridge$416,000
- 1109 Russell Avenue, La Junta$276,000
- 120 E 5th St, Julesburg$235,000
- 1226 Pennsylvania Ave, Canon City$176,000
- 1522 E 4th St, Pueblo$131,200
- 1575 S Trenton Ct, Denver$480,000
- 1608 Oakland St, Aurora$305,000
- 17113 E Ford Drive, Aurora$200,000
- 17670 E Loyola Dr Unit B, Aurora$160,000
- 1831 Spruce St, Pueblo$140,000
- 2020 Aspen St, Grand Junction$205,000
- 240 Locust Ave, Las Animas$114,000
- 2431 Wyoming Ave, Pueblo$115,000
- 26029 Edelweiss Cir, Evergreen$170,000
- 27424 Frontage Road, La Junta$152,000
- 2801 Franklin Ave, Pueblo$128,000
- 3550 S Harlan Street Unit 242, Denver$225,000
- 3585-3586 Al Fresco Way, Crestone$159,700
- 406 High Pasture Rd, Florissant$390,000
- 4374 W Pondview Dr, Littleton$370,000
- 495 South Dayton St Unit# 1c, Denver$145,000
- 5785 Piney River Pl, Brighton$526,000
- 645 Cowboy Way, Canon City$330,000
- 7443 Little Chief Ct, Fountain$400,000
- 8047 Wolff Street #h, Westminster$194,400
Every HUD home in Colorado, on the map
Price on the pin. Tap one for photos, the listing code and the full details page. Open the full-screen map.
Free guide, PDF
$100 Down: The HUD Home Financing Guide
The $100 down rule, CHFA, HUD paying your closing costs: the stack that gets a buyer in for about $1,000. 14 pages, free.
Get the free guideInstant download. We email you a copy too. No spam, ever.
Find every home available, not just HUD homes
Advanced home search: every listing on the Colorado MLS, with the full filters, on kennarealestate.com.
Opens kennarealestate.com, the Kenna Real Estate Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
Ask which programs fit you
Tell us your income, your score, your county and whether you work for a school, and we will tell you in one call which programs fit and which HUD homes for sale this week they work on.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
