Forgivable LoanAuroraFunds Available
Aurora Home Ownership Assistance Program (HOAP)
City of Aurora Housing Division
Up to
$10,000
Forgiven after 5 years
Assistance
Forgivable Loan
Area
Aurora
Buyers
First-time buyers
Income
80% AMI limit
What This Program Offers
Aurora HOAP provides up to $10,000 in forgivable down payment assistance for first-time homebuyers purchasing within Aurora city limits.
- Income is limited to 80% AMI.
- The loan forgives over time with continued owner-occupancy.
- Can often be stacked with metroDPA and CHFA through a participating lender.
Who Qualifies
Location
Aurora
Buyer type
First-time buyers only
Primary residence
Must be your primary home — not an investment property
Education course
HUD-approved homebuyer education required before closing
Income limits
Household income must not exceed 80% AMI for Arapahoe County
| Household | 80% AMI Limit |
|---|---|
| 1 person | $74,800 |
| 2 people | $85,450 |
| 3 people | $96,150 |
| 4 people | $106,800 |
Showing sizes 1-4. See all household sizes
Arapahoe County • FY 2025 HUD Income Limits
How to Apply
- 1
Confirm first-time buyer status and Aurora city property location.
- 2
Verify income at or below 80% AMI.
- 3
Complete HUD-approved homebuyer education.
- 4
Get pre-approved with a participating lender.
- 5
Submit Aurora HOAP application to the Housing Division.
- 6
Forgivable assistance disbursed at closing.
Documents you'll need
- First-time buyer affidavit
- Income verification (80% AMI limit)
- Homebuyer education certificate
- Pre-approval letter
- Purchase contract for Aurora property