Deferred LoanAdams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, WeldFunds Available
Colorado Roots DPA
Colorado Roots (Prop 123 Affordable Housing Fund)
Up to
$50,000
Assistance
Deferred Loan
Area
Adams
Buyers
First-time buyers
Income
120% AMI limit
What This Program Offers
Colorado Roots is a Prop 123-funded down payment assistance program offering up to $50,000 in deferred help for first-time buyers across participating Front Range counties.
- Income limit is 120% AMI.
- Designed to address Colorado's housing affordability gap with larger assistance amounts than traditional programs.
- Repaid upon sale, refinance, or move-out.
Who Qualifies
Location
Adams · Arapahoe · Boulder · Broomfield · Denver · Douglas · El Paso · Jefferson · Larimer · Weld
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 120% AMI for Adams 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
Adams County • FY 2025 HUD Income Limits
How to Apply
- 1
Confirm first-time buyer status and property in a participating county.
- 2
Verify income at or below 120% AMI.
- 3
Complete homebuyer education.
- 4
Apply through Colorado Roots or a participating lender.
- 5
Underwriting and eligibility review.
- 6
Deferred assistance disbursed at closing.
Documents you'll need
- First-time buyer affidavit
- Income verification (120% AMI limit)
- Homebuyer education certificate
- Pre-approval letter
- Purchase contract