CHFA HomeAccess Down Payment Assistance

Colorado Housing and Finance Authority (CHFA)

Available Home Repair

About This Program

CHFA HomeAccess Down Payment Assistance is available to homeowners in Denver, CO.

CHFA HomeAccess provides a zero-interest second mortgage up to $25,000 for down payment, closing costs, and prepaid expenses for first-time homebuyers in Colorado. Designed for buyers with disabilities or those with a family member with a disability who are purchasing an accessible home. Repayment is deferred until the first mortgage is paid off, sold, or refinanced.

0% interest second loan, deferred until sale, payoff, or refinance of first mortgage.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Denver, CO, you can combine this program with other local help to cut your cost:

Key Details

  • Zero-interest second mortgage up to $25,000
  • For first-time buyers with disability or buying for disabled family member
  • Covers down payment, closing costs, and prepaids
  • Repayment deferred until sale, payoff, or refinance
  • Apply through a CHFA participating lender; find one at chfainfo.com

How to Apply

Get free help applying Visit Official Program Page Track this program

800-877-2432

A grant-savvy contractor in Denver, CO can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Denver early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can CHFA HomeAccess Down Payment Assistance provide in Denver, CO?

Up to $25,000 zero-interest second mortgage.

Who qualifies for CHFA HomeAccess Down Payment Assistance in Denver?

CHFA HomeAccess Down Payment Assistance is open to homeowners in Denver, CO.

How do I apply for CHFA HomeAccess Down Payment Assistance in Denver, CO?

Apply directly with Colorado Housing and Finance Authority (CHFA) using the official program link on this page or call 800-877-2432. There is no middleman and no fee.

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Find More Programs in Denver, CO

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