CHFA HOME LOANS

CHFA Down Payment & Closing Cost Assistance for Colorado Homebuyers 

​Through Colorado Housing and Financing Authority (CHFA), we are able to offer a variety of great home loan programs with flexible rates, as well as down payment assistance (DPA) programs that help homebuyers buy their homes without a lot of upfront money, sometimes with as little as $1,000 down!

CHFA Loan Programs:

CHFA Down Payment Assistance Grant*:

  • Up to 3% of your first mortgage loan amount 
  • No repayment required


CHFA Down Payment Assistance Second Mortgage Loan*: 

  • Up to 4% of your first mortgage loan amount 
  • Repayment deferred until certain events, such as payoff of first mortgage loan, sale or refinance of your home, or if home no longer owner-occupied  

We have the experience to guide you through your CHFA loan options and get you pre-qualified for a home loan​.

Contact us today to see how a CHFA Down Payment Assistance Grant or Second Mortgage can put your homeownership goals within reach... 

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*CHFA down payment assistance can only be used when paired with a first mortgage loan under a CHFA program. Higher interest rates apply. First lien interest rates may be higher when using a DPA second.

What is CHFA?

Colorado Housing and Finance Authority (CHFA) offers affordable home purchase and refinance loans as wells as grants and second mortgage loans for down payment and closing cost assistance through their network of approved Colorado lenders.

As a CHFA Participating Lender, Nick Barta of Security First Financial is able to offer these great programs and financing options to Colorado first-time home buyers and current homeowners looking to refinance.

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General Requirements for CHFA Programs

Borrowers must qualify according to our underwriting guidelines and meet these general requirements: 

CHFA Program Highlights 

  • CHFA mortgage programs are available to first-time and non-first-time Colorado homebuyers
  • 30-year, fixed-rate government (FHA) and Conventional mortgage loans to purchase or refinance a home 
  • Down payment assistance grants and second mortgage loans for down payment and/or closing cost assistance (purchase only)