Deferred LoanStatewideFunds Available
CHFA HomeAccess Plus
Colorado Housing and Finance Authority (CHFA)
Up to
$25,000
Assistance
Deferred Loan
Area
Statewide
Buyers
Repeat buyers welcome
Income
Up to $174,440 household income
What This Program Offers
CHFA HomeAccess Plus provides up to $25,000 in down payment assistance for homebuyers with a disability or who have a household member with a disability.
- Available statewide with a CHFA first mortgage; household income capped at $174,440.
- Assistance is a 0% deferred second mortgage repaid upon sale, refinance, or first mortgage payoff.
Who Qualifies
Location
Available statewide in Colorado
Buyer type
Repeat buyers welcome
Primary residence
Must be your primary home — not an investment property
Education course
HUD-approved homebuyer education required before closing
Your contribution
You must contribute at least $1,000 of your own funds
Income limits
Household income must be at or below $174,440 for FHA, VA, and USDA loans. Compare AMI limits for other programs.
How to Apply
- 1
Confirm disability eligibility for buyer or household member.
- 2
Complete CHFA-approved homebuyer education.
- 3
Get pre-approved with a CHFA participating lender.
- 4
Verify household income at or below $174,440.
- 5
Lender submits HomeAccess Plus with your CHFA loan.
- 6
Assistance disbursed at closing.
Documents you'll need
- CHFA-approved homebuyer education certificate
- Documentation of disability (buyer or household member)
- Income verification (household income cap $174,440)
- Pre-approval from CHFA participating lender
- Purchase contract