CHFA HomeOpener Mortgage (No First-Time Buyer Requirement)

Colorado Housing and Finance Authority (CHFA)

Available Home Repair

About This Program

CHFA HomeOpener Mortgage (No First-Time Buyer Requirement) is available to homeowners in Denver, CO.

CHFA HomeOpener is a 30-year fixed-rate mortgage with no first-time homebuyer requirement and no purchase price limits, making it ideal for repeat buyers who still need income assistance. Down payment assistance up to $25,000 (or 4% of the first mortgage, whichever is less) is available as a zero-interest second mortgage deferred until sale or refinance. Income limits apply; minimum $1,000 of buyer's own funds required; homebuyer education class mandatory.

DPA is 0% interest, deferred. No Recapture Tax, unlike some CHFA programs. Second mortgage repaid at sale or refinance.

Official source site 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

  • No first-time homebuyer requirement, open to repeat buyers
  • No purchase price limits, more flexibility than SmartStep
  • Up to $25,000 down payment assistance at 0% interest
  • Income limits apply; minimum $1,000 in buyer's own funds
  • No Recapture Tax; must complete CHFA homebuyer education

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).
  • 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?

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Frequently asked questions

How much can CHFA HomeOpener Mortgage (No First-Time Buyer Requirement) provide in Denver, CO?

Up to $25,000 DPA (or 4% of first mortgage).

Who qualifies for CHFA HomeOpener Mortgage (No First-Time Buyer Requirement) in Denver?

CHFA HomeOpener Mortgage (No First-Time Buyer Requirement) is open to homeowners in Denver, CO.

How do I apply for CHFA HomeOpener Mortgage (No First-Time Buyer Requirement) 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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