Colorado Down Payment Assistance Company
Your Dream Colorado Home Is Within Reach — With Down Payment Assistance
As your Colorado down payment assistance company, Forge Home Lending helps Colorado residents navigate government programs such as CHFA, metroDPA, FHA and more — to get as much as $25,000 in down payment assistance and own their dream home.
We Help Colorado Residents Become Homeowners
With our trusted team of mortgage experts, Forge Home Lending is dedicated to helping you find the right down payment assistance program, stack them, and lock in the best mortgage rates.
100+ Five-Star Reviews
Real homeowners. Real results. Hear from the people who’ve turned the key with us –
first-time buyers, growing families, and seasoned movers who found more than a mortgage.
Three Paths To Homeownership
How We Help You Own A Home In Colorado
Whether Colorado residents need zero down financing, a specific loan program, or down payment
assistance, we have a path tailored for you — including Colorado-specific down payment assistance programs
and grants.
Zero Down
We combine a first and second mortgage to cover your full purchase price — so qualified buyers can move in with little to nothing out of pocket.
Loan Programs
HA, VA, USDA, Conventional and DSCR loans, matched to first-time buyers, veterans, and investors — and structured to stack with down payment assistance.
Down Payment Assistance
Access up to $25,000 through CHFA, metroDPA, and other Colorado down payment assistance programs and grants — applied to your down payment and closing costs.
Who We Help
From first-time home buyers to seasoned investors, we help find the right down payment assistance programs and grants for you in Colorado.
First-Time Home Buyers
Zero-down and low-down paths built for your first purchase
Nurses
Assistance programs that reward Colorado’s healthcare heroes.
Teachers
Educator-friendly programs like CHFA Schools to Home.
Teachers & Educators
Educator-friendly programs like CHFA Schools to Home
Healthcare Workers
Stack DPA with low-down loans to buy sooner
Government Employees
Steady-income programs with flexible qualifying.
Fire Fighters
First-responder-friendly financing across Colorado.
Police
Home loans and grants that honor your service.
Investors
DSCR and conventional options to grow your portfolio.
Learn How Down Payment Assistance Works in Colorado
See Forge Home Lending in person. Join us for our events and workshops on Colorado homeownership and finding the best down payment assistance programs and grants
Jun 22, 2026
In-Person · Denver
First-Time Buyer Workshop
2-hour hands-on session covering credit prep, DPA programs, and your first 90 days as a buyer
6:00 PM MT · Denver Public Library
Jun 22, 2026
In-Person · Denver
First-Time Buyer Workshop
2-hour hands-on session covering credit prep, DPA programs, and your first 90 days as a buyer
6:00 PM MT · Denver Public Library
Jun 22, 2026
In-Person · Denver
First-Time Buyer Workshop
2-hour hands-on session covering credit prep, DPA programs, and your first 90 days as a buyer
6:00 PM MT · Denver Public Library
Get Pre-Qualified For Colorado Down Payment Assistance Programs in 24 Hours
Get Up To $25,000 in Grants & Assistance. See if you qualify for Colorado down payment assistance programs including CHFA, Metro DPA, VA Loans, and more.
Find Your Home, Craft Your Purpose
Discover the steps to homeownership with Forge Home Lending, your Colorado down payment assistance company. From personalized advice, finding the right down payment assistance and grants, locating your dream home, getting the best mortgage rates, and closing the deal — we guide you every step of the way.
01
Discovery Call
Learn Your Options. Give us a call to explore your opportunities. We review your financial qualifications and go over your options for owning a home, including the different down payment assistance programs in Colorado available to you.
02
Make A Decision
Apply For A Mortgage. Get pre-qualified for down payment assistance programs and grants to determine your borrowing potential, then submit your applications for mortgage and assistance programs and receive approval.
03
Shop For Homes
Find The Right Home For You. Partner with a trusted realtor in our Colorado network who can guide you to closing. Explore properties and choose the one that aligns with your goals.
04
Get Under Contract
Secure Your Dream Home. We review the contract for your Colorado dream home
together to ensure clarity, then you secure your property by signing the agreement.
04
Close The Deal
Welcome Home. Once the purchase is finalized, we assist in closing, make sure the papers are signed, and get you the keys so you can move into your dream Colorado home.
Zero Down Mortgage
Q1: What is a Zero Down Mortgage?
A: A Zero Down Mortgage allows you to buy a home without making a down payment, helping you secure a property with little upfront cost.
Q2: Who qualifies for a Colorado Zero Down Home Loan?
A: Buyers with a minimum 620 mortgage FICO score, stable income, and a reasonable debt -to-income ratio can typically qualify
Q3: How is Zero Down different from Down Payment Assistance?
A: Down Payment Assistance provides grants or loans to cover a portion of the down payment, while Zero Down eliminates the need for a down payment entirely.
Q4: Do I need perfect credit to qualify?
A: No, but you'll need at least a 620 FICO score and a steady work history to meet lender requirements.
Q5: Are there any income restrictions for the Zero Down Mortgage?
A: No, unlike many assistance programs, there are no income restrictions, but your debt-to- income ratio will impact how much you qualify for.
Q6: Can I still use seller concessions with a Zero Down Mortgage?
A: Yes! In many cases, seller contributions can help cover closing costs, making the home purchase even more affordable
Q7: What are the closing costs with a Zero Down Mortgage?
A: Closing costs typically range from 2% to 5% of the home price, but Forge Home Consulting helps cover up to 1.5% of these costs.
Q8: Can I use a Zero Down Mortgage for an investment property?
A: No, this program is designed for primary residences, meaning you must live in the home.
Q9: Will I have a higher mortgage payment without a down payment?
A: Your monthly mortgage will include principal, interest, taxes, and insurance, but our team works to ensure affordability.
Q10: How can I get started with the Colorado Zero Down Home Loan?
A: Simply consult with Forge Home Consulting, and we'll guide you through the qualification process and help you find the right mortgage.
Where We Help You Find Home
Forge Home Consulting proudly serves communities across Colorado, helping
aspiring homeowners turn dreams into reality with tailored guidance and Zero Down
solutions.
The Forge Commitment
At Forge Home Consulting, we empower aspiring homeowners with consultation and education, and do it with integrity, honesty, and honor. Our mission is to help you forge financial freedom through homeownership.