See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 8, 2026
Homebuyer Programs in Westminster, CO (2026)
Westminster is the eighth-largest city in Colorado, sitting between Denver and Boulder along the Front Range. Uniquely, Westminster spans both Adams and Jefferson Counties, which means buyers can tap programs from either county's housing authority. With a median home price near $540,000, Westminster sits below the Arvada and Lakewood markets but above Thornton. The City of Westminster does not run its own down payment assistance program but partners with both county housing authorities and nonprofits. The metroDPA program offers up to 5% of the loan amount in deferred down payment assistance. Buyers can use either the Impact Development Fund Adams County FirstBank DPA or the Impact Development Fund Jefferson County FirstBank DPA depending on which side of the county line their home sits on — both provide up to $30,000 or 20% of the purchase price. Statewide, the CHFA Down Payment Assistance Grant adds up to $25,000 that never has to be repaid, and the CHFA FirstGeneration program offers another $25,000 in deferred assistance. Eligible buyers can also tap nonprofit programs including CRHDC NeighborhoodLIFT ($15,000 forgivable loan), Habitat for Humanity of Metro Denver, Elevation Community Land Trust, and the Dearfield Fund (up to $40,000 for Black and African American first-time buyers). Stacking a CHFA grant with metroDPA and the appropriate IDF county program can produce $40,000 to $70,000 in combined assistance for qualifying Westminster buyers.
City Programs in Westminster
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| metroDPA | Deferred Loan | Up to 5% of first mortgage loan amount | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to 5% of first mortgage loan amount
- First-time only:
- No
State Programs in Colorado
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| CHAC Down Payment Assistance Program | Deferred Loan | $5,000 to $12,000 (6% of lesser of sale price or appraised value, capped at $12,000) | Yes | View → |
| CHFA Down Payment Assistance Grant | Grant | Up to lesser of $25,000 or 3% of first mortgage | No | View → |
| CHFA Down Payment Assistance Second Mortgage Loan | Deferred Loan | Up to lesser of $25,000 or 4% of first mortgage | No | View → |
| CHFA FirstGeneration | Deferred Loan | Up to $25,000 in deferred down payment assistance, paired with 30-year fixed first mortgage | Yes | View → |
| CHFA FirstStep | Government-Insured Mortgage | 30-year fixed-rate FHA first mortgage | Yes | View → |
| CHFA HomeAccess | Zero-Interest Loan | 30-year fixed first mortgage plus optional $25,000 second mortgage for down payment and closing costs | No | View → |
- Type:
- Deferred Loan
- Amount:
- $5,000 to $12,000 (6% of lesser of sale price or appraised value, capped at $12,000)
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to lesser of $25,000 or 3% of first mortgage
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to lesser of $25,000 or 4% of first mortgage
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $25,000 in deferred down payment assistance, paired with 30-year fixed first mortgage
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- 30-year fixed-rate FHA first mortgage
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- 30-year fixed first mortgage plus optional $25,000 second mortgage for down payment and closing costs
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| CRHDC NeighborhoodLIFT | Forgivable Loan | Up to $15,000 | No | View → |
| Dearfield Fund for Black Wealth Down Payment Assistance | Deferred Loan | Up to $40,000 | Yes | View → |
| Elevation Community Land Trust | Government-Insured Mortgage | Permanently affordable below-market home purchase via 99-year ground lease | No | View → |
| Habitat for Humanity of Metro Denver Homeownership Program | Zero-Interest Loan | Affordable mortgage at approximately 30% of gross monthly income; sweat-equity ownership model | No | View → |
| Impact Development Fund Adams County FirstBank DPA | Deferred Loan | Up to 20% of contract purchase price or $30,000, whichever is less | Yes | View → |
| Impact Development Fund Jefferson County FirstBank DPA | Deferred Loan | Up to 20% of contract purchase price or $30,000, whichever is less | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $40,000
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Permanently affordable below-market home purchase via 99-year ground lease
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage at approximately 30% of gross monthly income; sweat-equity ownership model
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to 20% of contract purchase price or $30,000, whichever is less
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 20% of contract purchase price or $30,000, whichever is less
- First-time only:
- Yes
How to Apply
Step 1: Confirm which county your home is in. Westminster spans Adams and Jefferson Counties — this matters for the Impact Development Fund FirstBank DPA, which has a separate program for each county. Your title company or a CHFA-participating lender can confirm.
Step 2: Check your eligibility. Most programs require household income at or below 80% of county AMI, while metroDPA allows incomes up to roughly $195,600 and the Dearfield Fund up to $150,000.
Step 3: Complete homebuyer education. CRHDC offers free in-person and online HUD-approved homebuyer classes ($75 online via eHome America). GreenPath Financial Wellness is another HUD-certified counseling option.
Step 4: Get pre-approved with a CHFA-participating lender. The IDF county DPA programs require FirstBank as the primary lender, so confirm lender requirements before pre-approval. Local options include Westminster Federal Credit Union and Credit Union of Denver.
Step 5: Identify your stack. Work with your lender to combine programs — for example, a CHFA first mortgage with metroDPA second, plus the Dearfield Fund or NeighborhoodLIFT if eligible. Each program has its own subordination rules.
Step 6: Find a home within program limits. Most state and county programs follow FHA conforming loan limits in Adams or Jefferson County, which exceed $700,000 for one-unit properties in 2026. Most Westminster homes fall well within program limits.
Step 7: Submit your application. Funding is first-come, first-served and several programs cycle through funding annually. Verify funding status with each administering agency before counting on the assistance.
Step 8: Close on your home. Most DPA programs deliver funds at closing through your title company. Plan for 45-60 days from contract to close when stacking multiple assistance programs.
Frequently Asked Questions
How much down payment assistance can I get in Westminster?+−
Westminster is in two counties — which programs do I use?+−
Does the City of Westminster offer its own down payment assistance?+−
Do I have to be a first-time homebuyer?+−
What homebuyer education is required?+−
Can teachers, nurses, or first responders get extra help in Westminster?+−
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