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CHFA FirstStep

Administered by:

Colorado Housing and Finance Authority (CHFA)
· State · Government-Insured Mortgage

Funding status: Active

How much assistance

30-year fixed-rate FHA first mortgage

Eligibility

  • Income limits:
    Varies by county and household size per CHFA income limits effective Jan 5, 2026.
  • First-time buyer required: Yes —
    Must be a first-time homebuyer (no ownership in past 3 years), a qualified veteran, or purchasing in a CHFA-targeted area.
  • Credit score minimum: 620
  • Geographic restrictions:
    Must purchase a primary residence in Colorado.
  • Homebuyer education required: Yes

How to Apply for CHFA FirstStep

Apply through a CHFA-participating lender. Complete a CHFA-approved homebuyer education course before closing.

Notes

Bond-funded; may have additional IRS requirements. FirstStep Plus is a related variant. Can be paired with CHFA DPA Grant or DPA Second Mortgage.

Cities Where This Program Is Available (9 citys across 1 state)

Colorado (9 citys)

Available Statewide In