Colorado Loan Programs
Colorado Mortgage Loan Programs
Every loan type Forge originates in Colorado — FHA, VA, USDA, Conventional, DSCR, Jumbo — plus the CHFA and metroDPA down payment assistance programs we layer on top. Pick the one that fits, or schedule a call and we’ll match you to the right program.
FHA, VA, Conventional, USDA, Jumbo, DSCR, CHFA, and metroDPA
9 Programs, One Forge Mortgage Broker
Each program has its own requirements, rate range, and best-fit scenarios. Click any card for the full breakdown.
FHA Loans
LOAN
3.5% down · 580+ FICO
Before you tour homes, know your budget. A pre-approval shows sellers you are real — and gives you the confidence to make an offer fast.
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VA Loans
LOAN
0% down · No PMI
For veterans, active-duty military, and qualifying surviving spouses. Often the strongest mortgage available.
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Conventional Loans
LOAN
3-20% down · 620+ FICO
Fannie Mae / Freddie Mac backing. Best for stronger credit. PMI removable at 20% equity.
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USDA Loans
LOAN
0% down · Rural areas
Zero down for rural and outer-suburban Colorado. Watkins, Strasburg, Elizabeth, Parker outskirts. Income-capped.
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Jumbo Loans
LOAN
Above $806K · 700+ FICO
For Colorado purchases above the 2026 conforming limit. Mountain counties, luxury homes, high-priced Front Range purchases.
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DSCR Loans
LOAN
20-25% down · No income docs
Investor loans qualified on property cash flow — no tax returns, no W-2s. For Colorado real estate investors at loan-count limits.
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CHFA Down Payment Grant
DPA
3.5% down · 580+ FICO
Colorado Housing and Finance Authority’s flagship grant. Layers with FHA, VA, USDA, or Conventional first mortgage.
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CHFA Second Mortgage
DPA
0% down · No PMI
Silent second loan at 0% interest. No monthly payment. Repaid when you sell or refinance. Stack with CHFA Grant for up to 7%.
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metroDPA
DPA
3-20% down · 620+ FICO
Largest DPA grant available in Colorado. Run by City and County of Denver. Higher income limits than CHFA. 640+ FICO.
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The Real Estate Side
Loan Programs Side By Side
Quick comparison of the 6 main loan types. Click any program name to dive into the full page.
| Program | Down | FICO | MI | Best For |
|---|---|---|---|---|
| FHA | 3.5% | 580+ | MIP for life | First-time, lower credit |
| VA | 0% | 620+ | None | Veterans, active-duty |
| Conventional | 3-20% | 620+ | PMI removable | Stronger credit (680+) |
| USDA | 0% | 620+ | Annual fee 0.35% | Rural areas, income-capped |
| Jumbo | 10-20% | 700+ | PMI under 20% down | Above $806K Colorado purchase |
| DSCR | 20-25% | 660+ | Varies | Investors, rental properties |
Want To Layer DPA With Your Mortgage?
CHFA, metroDPA, and CHAC can cover 3-5% of your purchase price — sometimes the entire down payment. We layer DPA with your first mortgage so you can close on a Colorado home with little to nothing out of pocket.
Forge Commitment
Get Matched To The Right Colorado Mortgage Program
Forge Home Lending helps Colorado buyers compare loan options, down payment assistance, and total cash needed before they commit to a path. Start with a call and we’ll point you toward the program that fits your credit, income, purchase price, and timeline.
What Forge Checks First
- Which first mortgage fits your profile
- Whether CHFA, metroDPA, or CHAC can reduce cash to close
- Estimated down payment, monthly payment, and mortgage insurance
- Next steps before pre-approval