Arvada, Jefferson County
Down payment assistance for HUD homes in Arvada
CHFA, metroDPA, Jefferson County, the Schools To Home teacher program and HUD’s own $100 down: which ones work at a Arvada address, how they stack, and every HUD home for sale in Arvada 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 Arvada, plus up to 3% of closing costs if you ask in the bid.
Under $144,000 or $165,600
Jefferson County FirstStep limits for 1 to 2 and 3 or more people; $178,920 statewide for SmartStep and Preferred.
Jefferson County
There is no county-run down payment loan we can verify this month.
Up to 25% of the loan
Schools To Home for Jeffco Public Schools employees, on a conventional loan.
Which down payment programs work on a HUD home in Arvada
Arvada HUD listings are scarce and go fast; the ones that appear are usually older ranches in the original city and Olde Town area. Arvada sits in Jefferson County, 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 Arvada 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 Arvada 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 Jefferson 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: Arvada participates. Income under $210,150, 640 score | FHA $100 down, HUD help, a CHFA grant |
| Jefferson County | There is no county-run down payment loan we can verify this month. | 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 Jeffco Public Schools 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 Arvada; lottery | FHA $100 down, CHFA, HUD help |
The local program for Arvada: 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.
Teachers and school employees in Arvada
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 Arvada. The districts that serve Arvada:
- Jeffco Public Schools. 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 Arvada 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.
- Jefferson County 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 Arvada 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 Arvada buyers miss
- They do not know the county line. Jefferson County: 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. Arvada 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 Arvada buyers ask
Can I use down payment assistance on a HUD home in Arvada?
Yes. CHFA statewide, metroDPA (Arvada participates), Jefferson County, and the Schools To Home teacher program all work on a HUD home in Arvada, 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 Jefferson 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 Arvada get extra help on a HUD home?
Yes. Full-time employees of Jeffco Public Schools (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 Arvada 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 Arvada right now?
The live list is on this page and refreshed twice a day. Arvada usually has between none and a handful at a time; the good ones draw bids inside the exclusive owner-occupant period, 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 Arvada
None listed in Arvada right now. That is normal. Colorado usually has a few dozen HUD homes statewide at a time and they cluster where FHA loans were common. Arvada homes show up a few times a year and sell inside the first window.
Two ways to not miss the next one: set up alerts, or call or text 303-955-4220 and we will watch it for you. Meanwhile, here is everything available in Colorado right now.
Quick answers
Are there HUD homes for sale in Arvada right now?
Not at this moment. Colorado usually has a few dozen HUD homes statewide and Arvada homes come up a few times a year. This page refreshes twice a day; call or text 303-955-4220 and we will watch for the next one.
Can I bid on a HUD home in Arvada 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 and regularly assists Colorado buyers with HUD bids. HUD typically offers buyer-broker compensation as shown in the property's listing and sales documents, and we explain any buyer-broker compensation before you sign an agreement.
What loan works for a HUD home in Arvada?
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 home above is a verified HUD-owned listing, checked against HUD Home Store on Oct 10, 2026 8:22 am Mountain time. Official source: HUD Home Store guidance at hud.gov; if anything differs, the federal listing controls.
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.
Written and reviewed by
Brian Lee Burke, Colorado HUD home specialist and team leader
Licensed Colorado real estate professional since 2002 · REALTOR® · Team leader and licensed broker of the Kenna Real Estate Group at Keller Williams DTC, a group that regularly bids on HUD homes through Keller Williams Realty DTC, LLC, a HUD-registered brokerage · Author of The Real Estate Playbook and Mastering Real Estate. Brian’s full HUD biography.
Last reviewed: September 20, 2026 · Sources: HUD Home Store and HUD Handbook 4000.1, CHFA program guidelines, metroDPA program guidelines, Freddie Mac PMMS, and the county programs named on the page.
Lending content reviewed by Mike Oswald, VP of Mortgage Lending at Rate, NMLS 261003.
Program facts change. Eligibility varies by buyer and property; lender approval is required; program funding can run out; buyers may use any qualified lender; the Kenna Real Estate Group does not control HUD, CHFA or lender decisions. Verify the current terms with the program and your lender before you rely on them.
Contact: call or text 303-955-4220 or homes@kennarealestate.com. During office hours you reach a live local Kenna real estate professional, not a robot or a national call center. Brokerage: Keller Williams Realty DTC, LLC (the Kenna Real Estate Group is a group of brokers there), 6300 S Syracuse Way, Suite 150, Centennial, CO 80111. Each Keller Williams office is independently owned and operated. The Kenna Real Estate Group is an independent real estate team and is not affiliated with or endorsed by HUD or any government agency; official property information comes from HUD Home Store. Equal Housing Opportunity.
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.
Why you want it before you bid:
- Which listings qualify for $100 down and how to spot them (the IN and IE codes)
- What you still pay at closing, line by line, with a real example
- How $100 down stacks with CHFA, metroDPA and Good Neighbor Next Door
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 Arvada HUD home
Income, score, where you work, and the listing if you have one. One call and we tell you which programs fit a Arvada 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.
