Denver, Colorado
Denver Down Payment Assistance Company
Buy a Denver home with little to nothing down — using metroDPA, CHFA, and CHAC assistance paired with the right loan.
Searching for a Denver down payment assistance company that can actually get you to the closing table? Forge Home Lending helps Denver buyers qualify for state and city programs like metroDPA and CHFA, then stacks them with your mortgage so you keep more cash in your pocket. As a Denver down payment assistance company and licensed Colorado brokerage, we handle the loan, the assistance, and the paperwork under one roof.
Mile High City
Get Pre-Qualified For Denver DPA In 24 Hours
See if you qualify for Denver down payment assistance programs including metroDPA, CHFA, CHAC, and VA loans.
- Minimum 620 Credit Score
- 24-Hour Response Time
- Denver-licensed mortgage broker + real estate team
- 25-30 day average close in Denver market
InteresTED?
Schedule a consultation with Forge Home Lending and we will assist you in owning a home in Colorado’s Front Range. Minimum 620 Credit Score. $210K Income Limit.
How Forge Lending Works
As a Denver down payment assistance company near you, Forge Home Lending is dedicated to
helping you purchase your dream home in Denver with minimal to zero down payment. Our down
payment assistance process in Denver is outlined below:
01
Discovery Call
Free 30-minute consultation.
02
Pre-Qualification
We assess your credit and income profile.
03
Loan Approval
We handle paperwork and lock your best rates.
04
Close & Move In
Get your keys and start building equity.
We Help Denver Residents Qualify For Down Payment Assistance
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.
Down Payment Assistance Programs for Denver Residents
Denver is the home of metroDPA, so
a Denver down payment assistance company like Forge can match most buyers to real help. Programs
Denver residents can use include:
metroDPA
Sponsored by the City and County of Denver, metroDPA offers up to 5% of your loan amount toward down payment and closing costs — no monthly payment, no interest, repaid only if you sell, refinance, or move out. It’s the flagship Denver program.
CHFA
The Colorado Housing and Finance Authority offers a DPA Grant of up to 3% of your first mortgage with no repayment, or a DPA Second Mortgage of up to 4%, deferred until you sell or refinance. Works across every Denver neighborhood
CHAC
The Colorado Housing Assistance Corporation offers needs-based help for first-time Denver buyers — a strong option for lower-to-moderate income households who need extra assistance beyond metroDPA or CHFA.
FHA Loans
HA lets Denver buyers qualify with 3.5% down and credit as low as 580, and layers with metroDPA or CHFA to cut upfront costs. VA loans give eligible veterans zero down and no PMI.
New Construction Homes in Denver, Colorado
Forge partners with Denver-area builders to help you unlock rebates and incentives — often stackable with metroDPA and CHFA.
Why Buy A Home In Denver, Colorado
Denver lands on every "best place to live" list for a reason: a growing job market in tech, healthcare, and renewable energy, the mountains 45 minutes west, and strong surrounding school districts. Prices have climbed, but Denver is still more attainable than San Francisco, Seattle, or Boston for the same access to the outdoors and culture.
The catch for most buyers is the down payment — and that's exactly where working with a Denver down payment assistance company changes the math. Between metroDPA, CHFA, and CHAC, many Denver households can move in without saving 20% first.
The Denver Market in 4 Stats
How Much Is A Home in Denver?
Denver's median home price is $600,000. Here's a sample of what that looks like with metroDPA + FHA:
Sample: $600,000 Denver Home + metroDPA + FHA
- Purchase Price: $600,000
- FHA First Mortgage (96.5% LTV): $579,000
- Down Payment (3.5%): $21,000 (covered by metroDPA)
- metroDPA Silent Second (5% of loan): $28,950 ($0 out-of-pocket)
- Estimated Closing Costs: ~$18,000 ($7,950 covered by remaining metroDPA)
- Earnest + Inspection + Appraisal: ~$2,500
Estimates only. Not a commitment to lend.
DENVER SCHOOLS & EDUCATION
K-12 Districts
- Denver Public Schools (DPS)
- Cherry Creek School District (SE)
- Englewood Schools
- Littleton Public Schools
Higher Education
- University of Denver
- University of Colorado Denver
- Metropolitan State University of
Denver - Regis University · Community College of Denver
Denver Landmarks
- Union Station
- Denver Art Museum
- City Park & Denver Zoo
- Denver Botanic Gardens
- Washington Park
- Cheesman Park
- Larimer Square
- Coors Field
- Ball Arena
- Red Rocks (nearby)
- Cherry Creek Shopping District
- RiNo Art District
Buying In Denver
Common Question
What's the median home price in Denver?
Around $525,000 for Q2 2026 — though it ranges from $350K in some east Denver neighborhoods to $1M+ in Cherry Creek and Washington Park.
Can I use DPA programs in Denver?
Yes. CHFA, MetroDPA, and CHAC all work in Denver. MetroDPA is Denver-specific and often the strongest stack with FHA.
How competitive is the Denver market?
Moderate — 28 days on market average. Most homes get 2-3 offers. Forge handles offer strategy to keep you competitive without overpaying.
What neighborhoods do you cover?
All of Denver. From the established (Cherry Creek, Washington Park, Country Club) to emerging (RiNo, Five Points, Cole) to family-friendly (Park Hill, Stapleton).
How fast can we close on a Denver home?
25-30 days typical with Forge handling both mortgage and real estate. Faster than industry average because there’s no lender-to-agent coordination delay.