Aurora, Arapahoe, Adams and Douglas counties
Down payment assistance for HUD homes in Aurora
CHFA, metroDPA, City of Aurora Down Payment Assistance, the Schools To Home teacher program and HUD’s own $100 down: which ones work at a Aurora address, how they stack, and every HUD home for sale in Aurora right now.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
$100 down, 3% closing help
On eligible FHA owner-occupant bids in Aurora, plus up to 3% of closing costs if you ask in the bid.
Under $144,000 or $165,600
Arapahoe County FirstStep limits for 1 to 2 and 3 or more people; $178,920 statewide for SmartStep and Preferred.
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.
Up to 25% of the loan
Schools To Home for Aurora Public Schools and Cherry Creek School District 5 employees, on a conventional loan.
Which down payment programs work on a HUD home in Aurora
Aurora carries more HUD listings than any other metro city, most of them in the original city north of Colfax and the 1970s to 1990s subdivisions south of it. Aurora sits in Arapahoe, Adams and Douglas counties, which decides the CHFA income limit, the county program and whether metroDPA applies. HUD’s own $100 down and closing-cost help apply to every listing in the city that carries them. Here is the whole list, then the HUD homes for sale in Aurora right now.
| Program | What you get | Who | Stacks with |
|---|---|---|---|
| HUD $100 down | $100 down instead of 3.5% on FHA | Owner-occupants, on listings that carry the flag (most insured Aurora listings do) | Everything below |
| HUD closing-cost help | Up to 3% of the price, in the bid | Anyone; lowers HUD’s net | Everything |
| CHFA | Grant up to 3% or 0% second up to 4% (max $25,000) | Income under $144,000 (1 to 2 people) or $165,600 (3 or more) for FirstStep in Arapahoe County; $178,920 statewide for SmartStep and Preferred; 620 score | FHA $100 down, HUD help; the grant also with metroDPA |
| metroDPA | Up to 6% of the loan, forgiven after 3 years | Yes: Aurora participates. Income under $210,150, 640 score | FHA $100 down, HUD help, a CHFA grant |
| 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. | See the local program section below | Usually one other second lien, ask |
| Schools To Home | Up to 25% of the first mortgage, deferred, shared appreciation | Full-time employees of Aurora Public Schools or Cherry Creek School District 5 and any Colorado public school; conventional loan only | HUD help, a grant; not FHA $100 down or another second |
| Good Neighbor Next Door | 50% off in HUD revitalization areas | Teachers, police, firefighters, EMTs serving Aurora; lottery | FHA $100 down, CHFA, HUD help |
The local program for Aurora: 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.
Teachers and school employees in Aurora
Colorado’s Schools To Home program pays full-time public school employees up to 25% of the first mortgage on a conventional loan, and it works on insured HUD homes in Aurora. The districts that serve Aurora:
- Aurora Public Schools (Adams-Arapahoe 28J). The Schools To Home page for this district on kennarealestate.com.
- Cherry Creek School District 5. The Schools To Home page for this district on kennarealestate.com.
Two things to know before you bid: the program needs a Fannie Mae conventional loan, so it does not combine with the FHA $100 down, and if the listing is a Good Neighbor Next Door lottery home, 50% off beats 25% assistance. The teacher page runs the comparison; Good Neighbor Next Door in Colorado covers the lottery.
The stack on a Aurora HUD home
- FHA with HUD’s $100 down on an IN or IE listing that carries the flag. Down payment: $100.
- metroDPA (6%) or a CHFA grant (3%) covers closing costs and prepaids, roughly 2% to 3% of the price.
- City of Aurora Down Payment Assistance on top, when a round is open and you qualify.
- HUD closing-cost help on a listing that has sat; on a new one, bid a little higher and keep it.
Cash to close on a $300,000 Aurora HUD home built this way: the $1,000 earnest money, and sometimes nothing else. On a listing without the $100 down flag, add the 3.5% FHA down payment minus whatever the assistance covers.
What Aurora buyers miss
- They do not know the county line. Arapahoe, Adams and Douglas counties: the address decides the CHFA limit and the local program.
- They pre-approve for 3.5% down with a lender who has never used the $100 down.
- They wait for the perfect listing. Aurora HUD homes stay two weeks. The stack has to be ready before the house appears.
- Teachers bid FHA and lose the 25% program, or vice versa, because nobody ran both.
Questions Aurora buyers ask
Can I use down payment assistance on a HUD home in Aurora?
Yes. CHFA statewide, metroDPA (Aurora participates), City of Aurora Down Payment Assistance, and the Schools To Home teacher program all work on a HUD home in Aurora, as long as the program allows the loan type the listing code requires. HUD adds the $100 down and up to 3% closing-cost help on top.
What is the CHFA income limit in Arapahoe County?
For CHFA FirstStep and FirstGeneration, $144,000 for a one- or two-person household and $165,600 for three or more, effective June 15, 2026, in non-targeted areas. CHFA SmartStep, Preferred and Schools To Home use the statewide $178,920 limit. The purchase price limit is $832,750, above every HUD listing in the county.
Do teachers in Aurora get extra help on a HUD home?
Yes. Full-time employees of Aurora Public Schools or Cherry Creek School District 5 (and any Colorado public school) qualify for Schools To Home, up to 25% of the first mortgage on a conventional loan. Teachers, police, firefighters and EMTs serving Aurora can also enter the Good Neighbor Next Door lottery for 50% off on listings in HUD revitalization areas.
How many HUD homes are for sale in Aurora right now?
The live list is on this page and refreshed twice a day. Aurora usually has between none and a handful at a time; the good ones draw bids inside the first 15 days, which is why the assistance has to be lined up before the house appears.
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 Aurora
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.
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
17113 E Ford Drive
Aurora, Arapahoe County · 2 bed · 2 bath · IE$100 down
$200,000
17670 E Loyola Dr Unit B
Aurora, Arapahoe County · 1 bed · 1 bath · IN$100 down
$160,000
Full details on each HUD home in Aurora
Photos, every fact HUD publishes, the financing code, the $100 down flag and the HUD documents for the home, on one page each.
- 1030 S Zeno Way$295,000
- 1608 Oakland St$305,000
- 17113 E Ford Drive$200,000
- 17670 E Loyola Dr Unit B$160,000
Quick answers
Are there HUD homes for sale in Aurora right now?
Yes. 4 HUD homes are listed in Aurora right now. This page refreshes from HUD Home Store twice a day, and each home has its own page with photos, the listing code and the HUD documents.
Can I bid on a HUD home in Aurora myself?
No. Every bid on hudhomestore.gov has to be placed by a HUD-registered broker. The Kenna Real Estate Group at Keller Williams DTC is registered, places bids every week, and HUD pays the commission, so the agent costs you nothing.
What loan works for a HUD home in Aurora?
It depends on the listing code. IN (Insured) takes a standard FHA loan with 3.5% down, or VA, conventional or cash. IE (Insured with Escrow) adds a repair escrow. UI (Uninsured) needs an FHA 203(k) rehab loan, a conventional renovation loan, or cash. Owner-occupants using FHA can often use the $100 down program.
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 about assistance on a Aurora HUD home
Income, score, where you work, and the listing if you have one. One call and we tell you which programs fit a Aurora address and whether the stack works on that house.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree.
