home loan programs

​​finance your home

Take the next step towards your future with confidence by financing your home with Colorado Housing and Finance Authority (CHFA).
 
Our 30-year fixed-rate home mortgage loans, zero-percent second mortgage loans, and CHFA Down Payment Assistance Grants can help you buy a home without getting in over your head.
 
Whether you’re buying a new home or refinancing your current home, you can count on our versatile, affordable loan programs.​

 chfa participating lenders

If you have a credit score of 680 or above, CHFA Advantagesm is your reward! 

​Whether you are purchasing or refinancing, you can get the benefit of no monthly mortgage insurance costs while only needing a 3 percent down payment or equity contribution.

 

 

 CHFA Preferredsm has a minimum credit score requirement of 620 and offers lower monthly mortgage insurance payments than similar programs in the market. 

Add on CHFA’s optional Down Payment Assistance Grant (CHFA DPA Grant) or a zero-percent second mortgage loan to help cover the 3 percent down payment requirement, as well as closing costs.

 

Take the “smart step” to homeownership! CHFA SmartStepsm has a credit score requirement of 620 and typically offers one of our lowest interest rates.
 
You can also get a CHFA Down Payment Assistance Grant (CHFA DPA Grant) or zero-percent second mortgage loan for down payment and closing cost assistance.

 

If you have a credit score of 620 and want to buy a higher-priced home than our other programs allow, this is the program for you!

You can also get a CHFA Down Payment Assistance Grant (CHFA DPA Grant)or zero-percent second mortgage loan for down payment and/or closing cost assistance.


CHFA HomeAccess
sm helps you buy a home if you or your child has a permanent disability. ​

 

CHFA SectionEightsm enables you to use Housing Assistance Payments to buy a home.

 Contact Us

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Home Finance

1.888.320.3688

Den​ver

1.800.877.2432

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Western Slope

1.800.877.8450​​​​​​​​​​​​​

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