Parker, Douglas County
Down payment assistance for HUD homes in Parker
CHFA, metroDPA, Douglas County Housing Partnership, the Schools To Home teacher program and HUD’s own $100 down: which ones work at a Parker address, how they stack, and every HUD home for sale in Parker 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 Parker, plus up to 3% of closing costs if you ask in the bid.
Under $144,000 or $165,600
Douglas County FirstStep limits for 1 to 2 and 3 or more people; $178,920 statewide for SmartStep and Preferred.
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.
Up to 25% of the loan
Schools To Home for Douglas County School District RE-1 employees, on a conventional loan.
Which down payment programs work on a HUD home in Parker
Parker HUD listings are usually 1990s and 2000s subdivisions with HOAs; check the HOA and the FHA approval before you fall for one. Parker sits in Douglas 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 Parker 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 Parker 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 Douglas 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: Parker participates. Income under $210,150, 640 score | FHA $100 down, HUD help, a CHFA grant |
| 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. | 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 Douglas County School District RE-1 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 Parker; lottery | FHA $100 down, CHFA, HUD help |
The local program for Parker: 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.
Teachers and school employees in Parker
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 Parker. The districts that serve Parker:
- Douglas County School District RE-1. 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 Parker 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.
- Douglas County Housing Partnership 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 Parker 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 Parker buyers miss
- They do not know the county line. Douglas 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. Parker 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 Parker buyers ask
Can I use down payment assistance on a HUD home in Parker?
Yes. CHFA statewide, metroDPA (Parker participates), Douglas County Housing Partnership, and the Schools To Home teacher program all work on a HUD home in Parker, 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 Douglas 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 Parker get extra help on a HUD home?
Yes. Full-time employees of Douglas County School District RE-1 (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 Parker 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 Parker right now?
The live list is on this page and refreshed twice a day. Parker 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 Parker
None listed in Parker 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. Parker 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 Parker right now?
Not at this moment. Colorado usually has a few dozen HUD homes statewide and Parker 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 Parker 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 Parker?
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 Parker HUD home
Income, score, where you work, and the listing if you have one. One call and we tell you which programs fit a Parker 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.
