Down Payment Assistance Company in Aurora, Colorado

Get Your Dream Home in Aurora, Colorado — With Down Payment Assistance or a Zero-Down Mortgage

Forge Home Lending helps Aurora residents buy their dream home with low-to-zero down payment. As a down payment assistance company in Aurora, Colorado, Forge is dedicated to helping people achieve homeownership while maximizing their wealth.

How Forge Lending Works

As a down payment assistance company near you in Aurora, Colorado, Forge Home Lending is dedicated to helping you purchase your dream home with minimal to zero down payment. Our down payment assistance process in Aurora is outlined below:

01

Discovery Call

Free 30-minute down payment assistance consultation over the phone

02

Pre-Qualification

We assess your credit and income profile to see which down payment assistance
program in Colorado fits you best.

03

Loan Approval

We handle the paperwork and applications to get you the lowest down payment possible
and the best loan rates.

04

Close & Move In

You get 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.

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.

Aurora Real Estate Statistics

Aurora Real Estate By The Numbers

$445K

Median Home Price

Days On Market

Neighborhoods

3.8%

Annual Appreciation

DPA Programs Available to Aurora Residents

metroDPA

Available to buyers throughout the Front Range including Aurora, Metro DPA offers a zerointerest, deferred second mortgage worth up to 5% of your loan amount, applied toward your down
payment and closing costs. There are no monthly payments, and repayment is only due if you sell,
refinance, or move out.

CHFA

The Colorado Housing and Finance Authority (CHFA) is one of the most widely used down payment
assistance programs for homebuyers 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

VA Loans

Many Aurora homebuyers are veterans, active-duty military, or eligible surviving spouses
because of Buckley Space Force Base. VA loans let borrowers purchase with no down payment required,
no private mortgage insurance, and competitive interest rates — and can be paired with other programs.

FHA Loans

A popular choice for first-time and repeat Aurora homebuyers who want a low-down-payment
option. Qualify with as little as 3.5% down and credit scores as low as 580. FHA can be combined with programs like Metro DPA or CHFA to reduce or even eliminate upfront costs.

Aurora Home Computation Section

How Much Is A Home in Aurora?

With a population nearing 400,000 as Colorado's third-largest city, Aurora's average home price sits at an accessible entry tier across the metro area. 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

Purchase Price: $445,000
FHA First Mortgage (96.5% LTV): $429,425
Down Payment Required (3.5%): $15,575 — $0, covered by Metro DPA
Metro DPA Silent Second (5% of loan): $21,471 — $0 out-of-pocket
Estimated Closing Costs: ~$15,000 — most covered by remaining Metro DPA allocations
Earnest + Inspection + Appraisal: ~$2,500 out-of-pocket

Total out-of-pocket at close: ~$3,500–$9,000 (or less with seller credits)

Numbers are estimates only — actual costs depend on individual credit metrics, gross verified household income thresholds, and specific asset classifications. Not a structured commitment to lend.

New Construction Homes in Aurora

New Construction Homes in Aurora, Colorado

As your down payment assistance company in Aurora, Forge Home Lending has partnered with major Aurora developers to help you unlock rebates and incentives. Available new construction homes include:

Answers

Aurora Home Buying FAQ

Can I really buy a home in Aurora with zero down?

Yes — three paths get you to $0 down in Aurora. VA loans (for veterans, active-duty military, and eligible surviving spouses — a natural fit given Buckley Space Force Base). USDA loans (for parts of outer Aurora that qualify as USDA-eligible). Or FHA + metroDPA layering, where metroDPA's 5% grant covers FHA's 3.5% down payment and often part of your closing costs.

What's the minimum credit score for DPA in Aurora?

620 covers most programs. metroDPA requires 640. CHFA programs work at 620. FHA can go as low as 580 with some lenders, but DPA layering typically needs 620+. Below 620, we'll show you a 60-90 day path to qualifying.

What's the maximum home price I can buy with DPA in Aurora?

DPA programs cap out at the current conforming loan limit, which is $832,750 in Colorado for 2026. In practice, most Aurora DPA buyers purchase between $350,000 and $600,000 depending on income and program.

Do I have to be a first-time buyer to use DPA in Aurora?

Not for most programs. CHFA Grant, CHFA Second Mortgage, and metroDPA all accept repeat buyers. CHAC does require first-time buyer status (defined as not having owned a primary residence in the past 3 years).

What income limits apply to DPA programs in Aurora?

CHFA programs cap at approximately $140,000-$170,000 depending on county and household size. metroDPA caps at $176,700 for 1-2 person households. CHAC is needs-based with tighter limits. VA and FHA have no income limits, but DPA layered on top does.

How long does the DPA process take in Aurora?

Pre-qualification: 24 hours after you submit documents. Full pre-approval: 3-5 days. Contract to close: 30-45 days (VA and USDA can add 5-10 days). Homebuyer education (an 8-hour HUD-approved course) is required for most DPA programs and can be completed online in one or two evenings.

Can I use DPA on new construction in Aurora?

Yes. Most CHFA and metroDPA programs work with new construction, including Aurora's popular Hilltop at Inspiration, Harvest Crossing, and other builder communities. We verify builder eligibility before you sign a contract.

Is DPA free money? Do I have to pay it back?

Depends on the program. Grants (metroDPA, CHFA Grant) are truly free — no repayment as long as you live in the home. Second mortgages (CHFA Second Mortgage) are deferred loans with 0% interest, repaid only when you sell, refinance, or pay off your first mortgage. Neither shows up as a monthly payment.

REAL CLIENT REVIEWS

What Colorado Homeowners Say

"Franz walked us through every detail. We were first-time buyers and he treated us like we mattered. Closed in 28 days with DPA covering our entire down payment."

— Maria & Carlos R.

"Self-employed, three businesses, never thought I could get a mortgage easily. Forge sorted it in two weeks. Took less time than my refinance with a different lender."

— Priya M.

"Big-name lender denied us. Franz looked at our file, suggested a different program, and got us approved. Same income, same credit. Forge knows what other lenders don’t."

— Anthony G.

"VA loan with zero down. Franz handled both the mortgage AND helped us find the home. One person, one transaction, zero confusion."

— James T.

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.