First Time Home Buyers in Colorado have many benefits to assist them in purchasing a home. Counties in Colorado offer a wide assortment of programs to assist not just first time buyers, but all home buyers in learning more about the process of purchasing and maintaining a home.

Understanding the process helps future home buyers make better decisions. Once they understand the consequences of making a wrong decision they can avoid doing so. Local governments have prepared educational classes so successful that discounts are given to participants, because they have proven to be more responsible in homeownership.

Rewards for taking the education course comes in a variety of forms:

  • lower interest rate
  • grants for closing costs
  • down payment assistance in the form of a “silent” loan
  • discounts on PMI are a few incentives.

If you are looking to purchase a home, I suggest you investigate your eligibility for one of these programs. Each county and some city programs are offered throughout the State of Colorado. Check into the program in the county/city where you are interested in purchasing a home.

City Programs:

  • Aurora - Homeownership Assistance Program or (303) 739-7900
  • Commerce City - Commerce City Housing Authority or call (303) 289-3698
  • Delta - West Central Housing Development - Down payment assistance (970) 874-8204, ext. 24
  • Denver - Del Norte's Homeownership Program or (303) 477-4774, ext. 18
  • Greeley - High Plains Housing Development Corp. (970) 346-7660, ext. 6540
  • Wheat Ridge - WRHA Home Ownership Program (303) 422-8600

Statewide Programs:

County Programs:

  • Adams County Housing Authority - Homeownership or Program HOTLINE (303) 227-2089
  • Weld County - High Plains Housing Development Corp. (970) 346-7660, ext. 6540
  • Bent, Crowley and Otero counties - Tri-County Housing - Downpayment and closing cost assistance, 2nd mortgages for repairs to a home being purchased, and Home Ownership Counseling (719) 263-5168
  • Cheyenne, Elbert, Kit Carson and Lincoln counties - Prairie Development Corp. Down payment assistance program or (719) 348-5562 or (800) 825-0208
  • Logan, Morgan, Phillips, Sedgewick, Yuma and Washington counties - Northeast Colorado Housing, Inc. in Fort Morgan - Down payment assistance program call (970) 542-0955

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