Many assistance programs
- Often first-time-buyer only
- Assistance tied to a percentage, not a flat amount
- Income limits that shift by household size or area
CHFA HomeAccess Plus · Colorado
Up to $25,000 in Colorado down payment help to buy an accessible home of your own.HomeAccess Plus. Down payment assistance to buy an accessible home of your own.
Built for Colorado buyers living with a permanent disability, and eligible parents or legal guardians. See your free, personalized Snapshot in about two minutes.
Zero credit pulla planning tool, not an application
$500minimum contribution, giftable
Repeat buyerswelcome, not first-time-only
FHA, VA & USDApurchase-loan options
The Program Difference
What makes HomeAccess Plus different?
Plenty of assistance programs exist. Here is the short version of what sets this one apart for the buyers it was built for.
CHFA HomeAccess Plus
A different set of numbers
- Up to $25,000, a flat amount, not a percentage
- Open to repeat buyers, not just first-timers
- One flat statewide income limit to check
Program availability, eligibility and lender underwriting apply. Figures reflect current CHFA program guidelines and may change.
Real assistance, with real breathing room built in.
The CHFA DPA Second Mortgage Loan carries a 0% interest rate and no monthly payment of its own. It is repaid later, at sale, refinance, or full payoff of your first mortgage, not something you budget for every month.
0% interestNo interest accrues on the second mortgage
$0 monthlyNo separate monthly payment to plan for
$500 minimumYour required contribution, and it can be gifted
A More Confident Start
See what to ask before you shop.
Use these questions to guide your first conversation with a CHFA Participating Lender.
What does $25,000 actually cover?
See how the second mortgage can apply toward your down payment, closing costs and more.
Does owning before change anything?
Repeat buyers are welcome. Learn how that plays into your specific plan.
Which loan type fits your goals?
FHA, VA and USDA Rural Development purchase loans all pair with this program.
Your Next Move
Three steps between you and a plan built around your life.
Answer a few quick questions. Get your personalized Snapshot immediately. Decide what happens next, on your terms.
01
Share your starting point
A few quick questions about your goals, timeline and what would help most.
02
See your Snapshot
Get a personalized, plain-English summary built around your own answers.
03
Take the next step
Save it, share it, or book a free Hero Strategy Session when you're ready.
Program Basics
Common questions, answered carefully.
Does a disability have to be visible?
No. Program eligibility is based on CHFA's permanent-disability requirements and the documentation reviewed by a participating lender, not someone's appearance.
Is HomeAccess Plus only for first-time buyers?
No. First-time buyer status is not required. A CHFA Participating Lender can explain how the full program rules apply to your specific purchase.
Who can explore this program?
Eligible Colorado buyers living with a permanent disability, and eligible parents or legal guardians of someone living with a permanent disability.
Do I need a traditional credit score?
A 620 credit score is common, but manual underwriting may be available for borrowers without a traditional score. Your lender confirms what applies to you.
Which loan types work with this program?
HomeAccess Plus pairs with FHA, VA, or USDA Rural Development purchase loans.
Is this Snapshot a loan application?
No. It is educational planning guidance. Loan approval, program eligibility and documentation are determined by a CHFA Participating Lender.
See exactly how HomeAccess Plus could work for you.
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