Homeownership is more than just a dream for thousands of CHFA homeowners—now it’s your turn to make it a reality.

Start your homebuying journey with an understanding of your personal finances and how they may affect the homebuying process. If you wonder where to begin, the basics of personal finance may be a good place to start: (1) learn what you have, (2) figure out what you want to achieve, and (3) seek guidance if needed.
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Insecure about your financial knowledge? You are not alone!

In a 2023 annual financial literacy survey*, U.S. adults correctly answered only 48 percent of the 28 basic money questions.

Begin your road home by taking advantage of available tools and resources below.

*2023 TIAA Institute-GFLEC Personal Finance Index

Creating a Budget

A budget will help encourage savings, prepare you for unexpected expenses, and identify spending that doesn’t align with your goals. It will also help you prepare for the costs of buying a home and meet the ongoing costs of homeownership.

Understanding Credit

Credit is critical to the homebuying process. Your credit history has information on how you borrow money, use credit, and pay it back. Your credit may have a significant impact on the mortgage interest rate and the fees you pay.

Financial Education Providers

Financial education may help homebuyers make better informed financial decisions. Below, we have provided a short list of financial education providers available across the state. In addition, the Colorado Office of Financial Empowerment supports and champions the work of government and community-based agencies who provide financial empowerment services at the local level.

The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here.