County and city programs
County and city down payment programs for HUD homes in Colorado
Aurora lends 4% to 10%. Adams County lends $10,000 if you work there. Douglas County lends $15,000. Greeley pays up to $8,000. Every one of them works on a HUD home, and most of them run out of money before the year ends. Here they are, county by county.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
4% to 10% of the price
A silent second from the city, income to 120% of area median, home inside Aurora.
$10,000 interest-free
For households with someone employed by an Adams County employer.
5% up to $15,000
First-time buyers, a 30-year second at 3%, Castle Rock to Highlands Ranch.
Up to $8,000
G-HOPE, for full-time employees of employers in the program area, by zone.
The local programs, county by county
These change with every budget year and some run out of money by summer. What is below is what the programs publish as of September 2026; we confirm the current round the week you bid. All of them work on a HUD home when the loan type fits the listing code.
City of Aurora Down Payment Assistance
The city lends 4% to 10% of the purchase price as a silent second with no payments and no interest, repaid when you sell, refinance or pay off the first mortgage. Household income up to 120% of area median income (about $168,120 for a family of four). The home must be inside Aurora city limits. Apply through the city’s Neighborly portal or call 303-739-7900. The older HOAP loan (up to $10,000, under 80% of area median income, first-time buyers) may still be offered; ask.
Adams County Homebuyer Assistance
A $10,000 interest-free loan toward the down payment or closing costs on a home in Adams County, for households with at least one person employed by an Adams County employer, as published by the county program. Funding is limited each year; ask whether a round is open before you bid.
Douglas County Housing Partnership
5% of the purchase price, up to $15,000, for first-time buyers, structured as a 30-year second mortgage at 3% interest with a homebuyer class required. It pairs with FHA and conventional first mortgages.
G-HOPE, the Greeley Home Ownership Program for Employees
$2,500 to $8,000 depending on the zone you buy in (up to $8,000 east of 8th Avenue, up to $6,000 between 8th and 14th), for full-time employees of employers based in the program area. Run by the City of Greeley.
Denver Department of Housing Stability
Denver sponsors metroDPA on behalf of the Metro Mayors Caucus and runs its own affordable homeownership programs through the Department of Housing Stability, with income and price limits that change with each funding round. On a HUD home inside the city, metroDPA is the one to start with.
Jefferson County
There is no county-run down payment loan we can verify this month. Foothills Regional Housing, the county housing authority, points buyers to CHFA and metroDPA, which both cover Jefferson County. If a city or nonprofit round opens, we tell you on the phone.
Arapahoe County
There is no county-run down payment loan we can verify this month. metroDPA and CHFA both cover Arapahoe County, and bank-funded grant rounds (NeighborhoodLIFT and similar) have come and gone here; ask whether one is open the week you bid.
Impact Development Fund
Impact Development Fund administers down payment loans in Weld and Larimer counties with funding cycles that open and close during the year. Johnstown sits on the Weld and Larimer line, and Larimer County participates in metroDPA, so which side of the line the home is on matters. Ask before you bid.
Boulder County and the City of Boulder
Boulder County’s down payment program lends up to 10% of the price, capped at $40,000, to income-qualified buyers; the City of Boulder publishes a guide to every program that applies inside the city. HUD homes in Boulder County are rare, and when one appears this is the stack that makes it possible.
El Paso County (Fountain, Colorado Springs)
The Pikes Peak Down Payment Assistance program, run through El Paso County, helps buyers in Colorado Springs, Fountain and the rest of the county with a deferred second; income limits apply. Colorado Springs and Fountain carry HUD listings most months.
How a local program stacks on a HUD home
- Loan first: FHA with HUD’s $100 down on an IN or IE listing, or conventional.
- Then the local second or grant: Aurora’s 4% to 10%, Adams County’s $10,000, Douglas County’s $15,000, Greeley’s up to $8,000.
- Then HUD’s closing-cost help if the bid can carry it. Most local programs allow one other second lien; two is where files die, so CHFA’s grant is the safer pairing than CHFA’s second.
- Then the class, because nearly every local program requires one, and it has to beat the HUD closing date.
Why buyers miss the local money
- Nobody at the lender mentions it. Local programs are small and paperwork-heavy; many lenders skip them.
- The round closed. Aurora and Adams County fund by the year; ask in January, not November.
- The address is on the wrong side of a line. Littleton, Westminster and Johnstown each sit in two or three counties.
- The employer rule. Adams County and Greeley want your employer in the area; a Denver job may not count.
Questions about local programs
Can I combine a county program with CHFA or metroDPA on a HUD home?
Usually with one of them, not both, because most programs allow only one other second lien. A CHFA grant is not a lien and pairs with any of them. Your lender orders the stack; ask before you bid.
Do local programs require me to be a first-time buyer?
Most do (no ownership in the last three years), including Aurora’s older HOAP loan and Douglas County’s program. metroDPA does not. Ask about the specific program.
How do I find out if a program still has money?
Call us or the program office the week you start looking. We check funding for the counties our HUD buyers bid in every month.
Do these programs work on a HUD home that needs repairs?
On an IE home, yes, with FHA and the repair escrow. On a UI home the loan has to be a 203(k) or renovation loan, and only some local programs allow that; Aurora’s city program has been used with 203(k) financing, others have not.
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
- Down payment assistance for HUD homes: the map
- Down payment help in Aurora
- Down payment help in Denver
- Down payment help in Lakewood
- Down payment help in Arvada
- Down payment help in Thornton
- Down payment help in Westminster
- Down payment help in Commerce City
- Down payment help in Brighton
- Down payment help in Littleton
- Down payment help in Englewood
- Down payment help in Centennial
- Down payment help in Highlands Ranch
- Down payment help in Parker
- Down payment help in Castle Rock
- Down payment help in Greeley
- Down payment help in Johnstown
- HUD home grants and local down payment assistance in Denver
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 HUD Home Buyer's Playbook
How HUD bidding really works, the nine ways buyers lose, and the bid worksheet. 18 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 local program is open
Tell us the city and where you work. We check which county and city rounds have money this month and which HUD homes for sale they fit.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
