Colorado Zero Down Payment Mortgage
Buy A Colorado Home With $0 Down
Forge Home Lending helps residents in Colorado get a home with zero down payment mortgage. We assist Colorado buyers get the right down payment assistance and grants to purchase their house with $0 down payment.
What is Zero Down?
This is not a gimmick. It is possible to buy homes in Colorado with Zero Down. As a down payment assistance company near you in Colorado, Forge Home Lending helps buyers purchase homes with zero to low down payment by layering down payment assistance programs or grants such as the CHFA or MetroDPA together with other mortgage programs such as FHA Loans, VA Loans, or conventional loans.
These programs can frequently cover the cost not only of the down payment, but closing costs as well, helping buyers preserve their finances.
Benefits of Zero Down Mortgage
- No large cash reserve or down payments required.
- Works with many loan types (FHA, VA, USDA, Conventional Loans)
- Faster path to home ownership
- Grant options that don't require repayment
- Down payment program options that are 0% interest and are only payable upon the sale or refinancing of your house in Colorado.
Who qualifies for Zero Down Mortgage?
Zero Down payment isn’t for everyone. But it is certainly an advantage for a lot of buyers in Colorado to preserve their equity and use their cash for other expenses.
Zero-down and low-down paths built for your first purchase
Down Payment Assistance Programs Available To Aurora Residents
Forge Home Lending acts as the bridge between you and these programs and grants, ensuring that you meet the requirements and pay zero to low down payment for your house.
CHFA Down Payment Grant
CHFA’s grant option provides down payment funds that never have to be repaid, up to the lesser of 3% of the loan amount or $25,000. It’s available statewide to eligible first-time and first-generation buyers.
CHFA Deferred Second Mortgage
This option provides up to 4% of the loan amount, or $25,000, at 0% interest with no monthly payments required. It’s only repaid when the home is sold, refinanced, or paid off.
metroDPA
metroDPA provides a 0% interest second mortgage that can cover the down payment and closing costs for buyers across the Front Range. It’s open to both first-time and repeat buyers, with no purchase price cap and no minimum cash contribution required.
Your Zero Down Path, Step by Step
01
Free Eligibility Check
We review your credit (soft pull, no impact), income, and target Colorado area to confirm you qualify for Zero Down mortgage. 24 hours.
02
Match to the Right DPA
You get a formal pre-approval to shop with. Sellers see this differently than generic pre-qualification.
03
Pre-Approval Letter
Forge Home Lending handles your offer strategy for homes in Colorado. With zero down payment covered, you compete on price, not down payment.
04
Find and Make An Offer
Forge Home Lending handles your offer strategy for homes in Colorado. With zero down payment covered, you compete on price, not down payment.
Get Pre-Qualified For Colorado Zero Down Payment Mortgage!
Schedule a consultation with Forge Home and we will assist you in owning a home in Colorado.
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Answers
Aurora Home Buying FAQ
Is $0 down really $0 out of pocket?
While down payment assistance programs can cover your 3% to 5% down payment and even closing costs, buyers may still be responsible for earnest money deposits, home inspections, and appraisals upfront, which are often credited back or handled through strategic seller concessions.
Does assistance have to be repaid?
It depends on the program. CHFA offers grant options that never need to be repaid. Second mortgage options like CHFA Deferred or metroDPA are 0% interest loans that are only repaid when you sell, refinance, or pay off the primary mortgage.
What credit score is needed?
Minimum credit scores typically start around 620 to 640 depending on the specific loan type and assistance program combination you choose.
How are income limits set?
Income limits vary dynamically based on the specific Colorado county you are buying in and the total household size of the applicants.
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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.