You've Earned This.
Now Let's Get You Home.
Colorado has millions in down payment assistance, grants, and forgivable loans built specifically for teachers, first responders, healthcare workers and military members. Most heroes never know they qualify.
Simple. Free. Built for Busy Heroes.
You don't have time for complicated. Three simple steps to see which homebuyer programs may be available to you.
Book Your Free Call
Schedule a free 30-minute consultation. No pressure, no obligation, just a real conversation about your situation and your goals.
30 minutes · FreeWe Find Your Programs
We research every available Colorado program you qualify for. DPA, grants, forgivable loans and employer programs. Learn how to stack them for maximum benefit.
Your tailored program mapYou Move Forward with Clarity
Walk away knowing exactly what assistance you're eligible for, what the next steps are and how much closer you are to owning your home.
Real clarity. Real results.Built for Colorado's Heroes
Your profession unlocks real programs. Find yours below.
Educators
Teachers, administrators and school staff. Colorado has programs specifically designed for education professionals.
See educator programs →First Responders
Police officers, firefighters, EMTs and paramedics. Your service deserves a real path to homeownership.
See responder programs →Healthcare Workers
Nurses, technicians and hospital staff. Healthcare heroes often qualify for more than they realize.
See healthcare programs →Military Members
Active duty, veterans and military spouses. Stack VA benefits with Colorado grants for maximum assistance.
See military programs →Three Types of Assistance. All Free to Explore.
Colorado offers multiple program types that can often be combined. Here's what heroes typically access.
Down Payment Assistance
DPA programs reduce or eliminate the barrier of saving a down payment. Available as second mortgages with low or deferred payments.
- CHFA programs available statewide
- Income limits up to $150K in many areas
- Works with FHA, conventional, VA loans
- Available to repeat buyers in many programs
Grants
True grants don't need to be repaid. Colorado and local municipalities offer grant funding specifically earmarked for public service heroes.
- No repayment required
- Employer-assisted housing grants available
- Local municipality programs by county
- Can often stack with DPA programs
Forgivable Loans
Forgivable loans are structured to be forgiven, typically over 3–5 years as long as you remain in the home. Essentially free money for committed buyers.
- Forgiven after qualifying period
- No monthly payments while in home
- Teacher Next Door program
- Local government forgivable programs
Stack Your Programs. Maximize Your Benefit.
Most heroes qualify for more than one program and the right combination can dramatically reduce what you need to bring to closing. We specialize in finding and stacking every benefit you've earned.
Find My StackTrue grant · covers min. contribution $8,000
Additional down payment assistance $15,000
Covers 3.5% FHA down · forgiven after 36 payments $20,000
Covers all closing costs & pre-paids $24,000
Colorado Heroes Who Made It Happen
Real people who discovered programs they didn't know existed.
"I had no idea teachers could qualify for this kind of help. Between the CHFA program and the district grant, we came to closing with almost nothing out of pocket. Completely changed our lives."
Educator"I already had a VA loan but didn't know I could stack Colorado programs on top of it. We ended up with $22,000 in combined assistance. The free consultation was worth every minute."
Military"As a travel nurse who just moved to Colorado, I assumed buying wasn't an option yet. Turns out I qualified for two programs. We closed in 90 days. The process was way simpler than I expected."
HealthcareA Personal Note
Most heroes I talk to have no idea how many programs exist specifically for them. We made this video because we wanted to explain in plain English, no jargon — exactly what's available and how we can help.
No sales pitch. Just a real conversation about what Colorado has built for the people who serve our communities.
