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Cozy Porch

First-Time Home Buyer Resources

Becoming a first-time homebuyer is an exciting milestone, but it can also feel overwhelming with all the decisions and financial considerations involved. From understanding loan options to budgeting for closing costs, navigating the process requires preparation and knowledge. The good news? You don’t have to go through it alone. With the right guidance and resources, you can make informed choices that set you up for long-term success. Whether you're exploring mortgage programs, down payment assistance, or just figuring out where to start, taking the time to educate yourself now will make the journey to homeownership smoother and more rewarding.

Down Payment Programs

Down Payment Programs​​​​​

Colorado Housing Finance Authority (CHFA)

Download a CHFA pamphlet for more information.

Loan Type

FHA, VA, USDA

Grant or 0%  2nd Mortgage​

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Is Mortgage Insurance Required?

Yes

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Credit Score​

620

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​What is the income limit?

$162,960

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Do I need to be a first-time homebuyer?

No

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