Down Payment Assistance Company in Aurora, Colorado
Buy A Home in Aurora, Colorado
Forge Home Lending helps Aurora residents buy a home in Aurora, Colorado with low-to-zero down
payment. As a down payment assistance company in Aurora, Forge is dedicated to helping people reach
homeownership while building long-term wealth.
Get Pre-Qualified For Down Payment Assistance Programs in Aurora, Colorado in 24 Hours
See if you qualify for Aurora down payment assistance programs including CHFA, metroDPA, VA loans, and more.
How Forge Lending Works
As a down payment assistance company near you in Aurora, Colorado, Forge Home Lending helps you buy your dream home with minimal-to-zero down payment. Our down payment assistance process in Aurora is simple:
01
Discovery Call
A free 30-minute down payment assistance consultation over the phone
02
Pre-Qualification
We assess your credit and income profile to find the down payment assistance program in Colorado that fits you best.
03
Loan Approval
We handle the paperwork and applications to get you the lowest down payments possible and the best loan rates.”
04
Close & Move In
You get the keys to your dream home in Aurora and move in.
We Help Aurora 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.
school workers
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.
Veterans
Aurora Real Estate Statistics
Down Payment Assistance Programs Available To Aurora Residents
metroDPA
Available to buyers throughout the Front Range including Aurora, metroDPA offers a zero-interest, deferred second mortgage of up to 5% of your loan amount, applied toward your down payment and closing costs. There are no monthly payments, and repayment is due only when you sell, refinance, or move out. Income limits apply.
CHFA
The Colorado Housing and Finance Authority (CHFA) is one of the most widely used down payment assistance programs in Aurora and across Colorado. CHFA offers a DPA grant of up to 3% of your first mortgage with no repayment required, or a DPA second mortgage of up to 4%, deferred until you sell, refinance, or pay off your home. Income and program limits apply.
VA Loans
Because of Buckley Space Force Base, many Aurora buyers are veterans, active-duty military, or eligible surviving spouses. VA loans let eligible borrowers buy with no down payment required and no private mortgage insurance, and can be paired with other programs.
FHA Loans
FHA loans are a popular low-down-payment option for first-time and repeat buyers in Aurora. Eligible borrowers can qualify with as little as 3.5% down and credit scores as low as 580, and can combine FHA with programs like metroDPA or CHFA to reduce upfront costs.
How Much Is A Home in Aurora?
With a population nearing 400,000 and a reputation as Colorado's third-largest city, Aurora's average home price is about $462,000. Here's a sample financial layout detailing common entry strategies using local down payment assistance alternatives along with typical closing allocations:
Sample Scenario: Aurora Home + Metro DPA + FHA
- Aurora Home Price: $462,000
- FHA First Mortgage (96.5% LTV): $445,830
- Down Payment Required (3.5%): $16,170 — $0, covered by metroDPA
- metroDPA Down Payment Assistance (up to 5%): up to ~$22,291 — covers down payment + closing surplus
- Estimated Closing Costs: ~$15,500 — partially/fully covered by remaining metroDPA
- Earnest + Inspection + Appraisal: ~$2,500 out-of-pocket
Illustrative example only — not a loan offer, approval, or commitment to lend. Your actual numbers depend on program eligibility, credit, gross verified household income thresholds, and county limits.
New Construction Homes in Aurora, Colorado
New Construction Homes in Aurora, Colorado
As your down payment assistance company in Aurora, Forge Home Lending
works with local builders to help you unlock rebates and incentives. Available new-construction homes include:
Why Buy A House In Aurora?
Aurora is Colorado’s third-largest city, sitting just east of Denver and stretching across Arapahoe, Adams, and Douglas counties. Known as the “Gateway to the Rockies,” Aurora offers big-city amenities with a more relaxed, suburban feel — and often more affordable home prices than neighboring Denver. The city has more than 8,000 acres of open space, over 100 parks, six municipal golf courses, and easy access to Denver International Airport, Buckley Space Force Base, and the Anschutz Medical Campus. With a growing job market, diverse culture, and a wide range of neighborhoods and price points, Aurora is an appealing place for first-time buyers to buy a home in Aurora, Colorado and take advantage of the city’s down payment assistance programs.
Aurora Landmarks
From sprawling state parks and historic preserves to vibrant arts districts and major regional hubs, explore the iconic locations that define Aurora, Colorado.
A 800-acre water recreation area featuring swimming beaches, non-motorized boating, scuba diving, and an 8-mile paved loop trail.
Aurora's premier outdoor destination anchored by an 880-acre reservoir surrounded by wetlands, hiking trails, campgrounds, and a dog off-leash area.
An 1,100-acre open-space nature preserve showcasing native shortgrass prairie wildlife, historic sod homesteads, and Cheyenne tipis.
A 80-acre community park featuring large-scale public art installations, walking paths, and expansive open green space.
A community museum showcasing local historic artifacts, changing cultural exhibits, and a restored 1913 fully operational trolley car.
A historic 157-seat performing arts center located in the Arts & Theater District, hosting award-winning professional theater productions.
An expansive outdoor mural corridor along East Colfax Avenue celebrating local diversity through large-scale visual street art.
A massive open-air outdoor shopping center designed with a classic main street feel, fine dining, and community event plazas.
A repurposed 140,000-sq-ft former aviation building now serving as a vibrant urban hall with 50+ local independent businesses and eateries.
A world-class academic medical hub integrating state-of-the-art clinical care, medical research, and education across 230 acres.
A major U.S. Space Force installation and key regional economic driver operating space surveillance and defense radar systems.
Aurora Schools & Universities
K-12 Districts
- Adonea ·
- Beacon Point ·
- Blackstone ·
- Conservatory ·
- Copperleaf ·
- Cross Creek ·
- The Dam East ·
- The Dam West ·
- Heather Gardens ·
- Heather Ridge ·
- Horizon Uptown ·
- Inspiration ·
- Lowry · Meadowood ·
- Mission
- Viejo ·
- Murphy Creek ·
- Piney Creek ·
- Saddle Rock ·
- Seven Hills ·
- Smoky Hill ·
- Sterling Hills ·
- Summer Valley Ranch ·
- Tallyn’s Reach ·
- Tollgate ·
- Tuscany ·
- Wheatlands
Zip codes served
- 80010–80019,
- 80040–80047
Down Payment Assistance Near You in Aurora
We help residents across Aurora’s neighborhoods afford their dream home through down
payment assistance. These neighborhoods include:
- Aurora Public Schools
- Cherry Creek School District
- Douglas County School District
- DSST Public Schools
- University of Colorado Anschutz Medical Campus
- Community College of Aurora
- Pickens Technical College
- Platt College
Answers
Aurora Home Buying FAQ
Can I buy a home in Aurora with zero down?
Possibly. VA loans allow eligible buyers to purchase with no down payment, and programs like metroDPA or CHFA can be layered with an FHA loan to cover much of your down payment and closing costs. Eligibility and income limits apply.
What credit score do I need?
A 620 credit score covers most programs. FHA can go as low as 580, and metroDPA typically looks for 640. We'll confirm your best fit during pre-qualification.
Are there income limits for down payment assistance in Aurora?
es. CHFA and metroDPA are income-capped, and limits vary by county and household size.
How much down payment assistance can I get?
metroDPA offers up to 5% of your loan amount; CHFA offers a grant of up to 3% or a second mortgage of up to 4%. Some programs can be combined.
Do I have to repay down payment assistance?
The CHFA grant is never repaid. metroDPA and the CHFA second mortgage are 0% deferred — repaid only when you sell, refinance, or the home is no longer your primary residence
Do I have to be a first-time buyer?
Not always. Some programs allow repeat buyers
Can I use down payment assistance on a new-construction home in Aurora?
Often yes, depending on the builder and program.
How do I start?
Book a free 30-minute consultation and get pre-qualified within 24 hours.
REAL CLIENT REVIEWS
What Colorado Homeowners Say
Ready When You Are
Your Goals. Our Game Plan.
Schedule your free 30-minute consultation. We’ll review your credit, income, and goals — and map you to the right loan and DPA program. No pressure, no obligation.