Teachers and school employees
Schools To Home: up to 25% down payment help for teachers buying a HUD home
Colorado’s 2026 program gives full-time public school employees up to 25% of the first mortgage, deferred, on a conventional loan. Here is exactly how it works on a HUD home, how it compares to Good Neighbor Next Door and the $100 down, and which district page to read.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
Any full-time school employee
Teachers, paras, bus drivers, custodians, cafeteria staff, administrators at a Colorado preK-12 public school, charter or BOCES.
Up to 25% of the loan
About $75,000 on a $300,000 HUD home, as a deferred second with no payments.
Shared appreciation
Repay the assistance plus your percentage minus five of the appreciation when you sell or refinance.
Conventional, IN listings
Fannie Mae loan only, so no $100 down and no other second lien; works on insured listings.
Colorado’s new teacher program, and how it works on a HUD home
CHFA Schools To Home launched in July 2026 under Senate Bill 25-167. Any full-time employee of a Colorado preK-12 public school, school district, charter school, institute charter, BOCES or innovation zone (teachers, paraprofessionals, bus drivers, custodians, cafeteria staff, administrators) can get up to 25% of the first mortgage amount as a deferred second mortgage for down payment and closing costs. No monthly payment. When you sell, refinance or move out you repay the assistance plus a share of the appreciation. On a $300,000 HUD home that is up to about $75,000 of help, which covers the down payment, the closing costs and part of the loan itself.
| Item | CHFA Schools To Home (2026) |
|---|---|
| Who | Full-time employees of Colorado preK-12 public schools, districts, charters, BOCES and innovation zones; no tenure requirement; only one borrower needs to qualify |
| Assistance | Up to 25% of the first mortgage, as a deferred second mortgage, 0% interest, no payments |
| Income limit | $178,920 statewide, any household size |
| Credit score | 620 mid-score, per CHFA |
| Shared appreciation | When you sell or refinance, you repay the assistance plus a percentage of the home’s appreciation equal to your assistance percentage minus 5 (25% assistance means 20% of the appreciation). If the home did not appreciate, you repay only the assistance. |
| Loan type | Fannie Mae conventional (HFA Preferred) only. Not FHA, not VA. |
| Other assistance | No other second lien; a grant is allowed |
| Class | CHFA’s Understanding Your Financial Commitment course plus homebuyer education, each borrower separately |
| Occupancy | Your primary residence; moving out triggers repayment |
On a HUD home, this is what it means
- Conventional loan, so IN listings. The program requires a Fannie Mae first mortgage, so it works on insured HUD homes and on IE homes when the lender will hold the repair escrow on a conventional loan. It does not work on UI homes.
- No $100 down. That incentive is FHA-only. You do not need it: 25% of the loan is more than any down payment.
- Bid conventional, at or near list. HUD accepts conventional bids like any other; the appraisal is the lender’s, not FHA’s, which loosens the property-condition rules a little.
- Compare it to Good Neighbor Next Door. If the listing is a lottery home in a revitalization area and you teach in the district, 50% off beats 25% assistance. Most HUD homes are not lottery homes, and Schools To Home works on all of them.
- Compare it to FHA plus CHFA. On a $250,000 condo, FHA with $100 down plus a CHFA grant may leave you with a smaller loan and no appreciation to share. On a $400,000 house you cannot otherwise afford, Schools To Home is the one that gets you in. We run both on the actual listing.
Which district page to read
Our main site has a page for every Colorado district with the district’s own details. Find yours, then come back here for the HUD homes.
Denver Public Schools
Aurora Public Schools (28J)
Cherry Creek
Jeffco Public Schools
Douglas County RE-1
Adams 12 Five Star
Littleton Public Schools
Westminster Public Schools
School District 27J (Brighton)
Greeley-Evans 6
St. Vrain Valley
Every other district
The other two teacher programs, honestly
- Good Neighbor Next Door (HUD). 50% off the appraised value on HUD homes in revitalization areas, for full-time preK-12 teachers, sworn officers, firefighters and EMTs who live there 36 months. A 7-day lottery. Real, rare, and the best discount in American real estate when it comes up. The Colorado page and the free guide.
- Teacher Next Door. A private marketing program, not a government one. It connects teachers to lenders and advertises grants that come from those lenders’ own budgets. Some buyers get a useful credit; nobody should confuse it with Schools To Home or Good Neighbor Next Door.
What teachers lose when nobody tells them this
- They wait to save a down payment the state would have covered.
- They bid FHA out of habit and lose the 25% program on the house they wanted.
- They stack it with metroDPA and the file dies: no second lien behind Schools To Home.
- They skip the two classes and miss the HUD closing date.
Questions teachers ask
Do I have to be a first-time buyer for Schools To Home?
The enabling law is written around first-time buyers and CHFA’s program materials point the same way; confirm your specific situation with a CHFA participating lender before you plan around it. Everyone must be a full-time public school employee at closing.
Can I use Schools To Home on a HUD home?
Yes. HUD accepts conventional bids, and the program requires a Fannie Mae conventional loan, so it works on IN listings and on IE listings where the lender holds the repair escrow. It does not work on UI listings.
How much of the appreciation do I give back?
Your assistance percentage minus five. Take 25% assistance and you share 20% of the appreciation when you sell or refinance; take 15% and you share 10%. If the home did not go up in value, you repay the assistance only.
Which is better for a teacher: Schools To Home or $100 down with CHFA?
It depends on the house. Schools To Home wins when the price is high and you have little cash; FHA with $100 down and a CHFA grant wins on a cheaper home where you would rather keep all the appreciation. Call with the listing and we run both.
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
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
The Colorado Teacher's Guide to Buying a HUD Home
Schools To Home (25%), Good Neighbor Next Door (50% off) and $100 down, compared for Colorado school employees. 8 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.
Teachers: ask which program fits the house
Tell us your district, your income and the listing you are looking at. We run Schools To Home against FHA plus CHFA and Good Neighbor Next Door and tell you which one gets you in for less.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
