Boulder H2O
City of Boulder Housing Division
Up to
$100,000
Assistance
Deferred Loan
Area
Boulder
Buyers
First-time buyers
Income
120% AMI limit
What This Program Offers
Boulder H2O (House to Homeownership) provides up to $100,000 in deferred shared-appreciation second mortgage assistance for first-time buyers purchasing market-rate homes within Boulder city limits.
- Income limit is 120% AMI.
- The city shares in a portion of home price appreciation at repayment.
- Repaid when you sell, refinance, or no longer occupy as primary residence.
Who Qualifies
Location
Buyer type
Primary residence
Education course
Income limits
Household income must not exceed 120% AMI for Boulder County
| Household | 120% AMI Limit |
|---|---|
| 1 person | $112,200 |
| 2 people | $128,176 |
| 3 people | $144,226 |
| 4 people | $160,200 |
Showing sizes 1-4. See all household sizes
Boulder County • FY 2025 HUD Income Limits
How to Apply
- 1
Confirm first-time buyer status and Boulder city property location.
- 2
Attend Boulder homebuyer orientation.
- 3
Verify income at or below 120% AMI.
- 4
Get pre-approved with a participating lender.
- 5
Submit H2O application to City of Boulder Housing.
- 6
Shared-appreciation deferred loan closes at purchase.
Documents you'll need
- First-time buyer affidavit
- Income verification (120% AMI limit)
- Boulder homebuyer orientation certificate
- Pre-approval letter
- Purchase contract for Boulder city property