Deferred LoanAdams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert, Jefferson, Larimer, WeldFunds Available
metroDPA
Denver Department of Housing Stability (via participating lenders)
Up to
$25,000
Assistance
Deferred Loan
Area
Adams
Buyers
Repeat buyers welcome
Income
No income limit
What This Program Offers
metroDPA provides a 0% deferred second mortgage equal to 3% or 4% of the first mortgage amount (up to $25,000) across ten Front Range counties.
- This loan is never forgiven — it must be repaid in full when you sell, refinance, or pay off the first mortgage.
- Household income is capped at $216,000.
- Can often be stacked with CHFA assistance through approved participating lenders.
Who Qualifies
Location
Adams · Arapahoe · Boulder · Broomfield · Denver · Douglas · Elbert · Jefferson · Larimer · Weld
Buyer type
Repeat buyers welcome
Primary residence
Must be your primary home — not an investment property
No income limit — this program is available to all income levels.
How to Apply
- 1
Confirm the property is in an eligible metroDPA county.
- 2
Get pre-approved with a metroDPA participating lender.
- 3
Verify household income at or below $216,000.
- 4
Lender structures metroDPA as a subordinate 0% deferred second.
- 5
Complete any required homebuyer education per lender guidelines.
- 6
metroDPA funds disbursed at closing.
Documents you'll need
- Pre-approval from metroDPA participating lender
- Income verification (household income cap $216,000)
- Purchase contract for eligible county property
- Homebuyer education certificate (if required by lender)