Denver metro · DPA program

Metro DPA (Denver area)

DPA with flexible cosigner rules

DPA for Denver metro buyers with non-occupying cosigners allowed and higher income limits.

Metro DPA provides down payment assistance specifically for buyers in the Denver metropolitan area, where home prices have more than doubled since 2015. The program is administered through local housing authorities and participating lenders.

Assistance amounts and terms vary by jurisdiction within the metro area. Some municipalities offer grants while others provide deferred loans. The common thread is targeting the Denver metro's affordability gap — where the median home price exceeds $550,000 but median household income hasn't kept pace.

AmountDPA with flexible cosigner rules
TypeDPA program
Available inColorado
First-time buyer requiredYes
Minimum credit score620
Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
CHFA DPA Grant 3% grant — no repayment + only $1K out of pocket
Colorado · Grant
CHFA DPA Second Mortgage 4% deferred, 0% interest
Colorado · Deferred 0% loan
CHFA FirstGeneration $25,000
Colorado · Deferred loan
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