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CHFA HomeAccess

Administered by:

Colorado Housing and Finance Authority (CHFA)
· State · Zero-Interest Loan

Funding status: Active

How much assistance

30-year fixed first mortgage plus optional $25,000 second mortgage for down payment and closing costs

Second mortgage repayment deferred until first mortgage is paid off or beginning month 361.

Eligibility

  • Income limits:
    Statewide income limit of $174,440 regardless of county or household size (effective 2026).
  • First-time buyer required: Yes —
    Must be a first-time homebuyer or qualified veteran. Borrower must be living with a permanent disability OR be the custodial parent/guardian of a child or individual with a permanent disability (as defined by SSA).
  • Credit score minimum: 620
  • Geographic restrictions:
    Must purchase a primary residence in Colorado.
  • Homebuyer education required: Yes

How to Apply for CHFA HomeAccess

Apply through a CHFA-participating lender. Provide documentation of disability per CHFA Seller's Guide Chapter 3. Complete a CHFA-approved homebuyer education course before closing.

Notes

Designed for buyers with permanent disabilities or those caring for a dependent with a permanent disability.

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

Colorado (9 citys)

Available Statewide In