You may have seen the headlines lately:“Home prices are dropping.”“Denver is leading the decline.”“More than half of major metros saw year-over-year price drops…
Buyers: Can I Buy A Home With No Money Down?
Dated: March 18 2025
Views: 63
Yes! Buying a home in Denver with no money down is possible, but it typically requires using specific loan programs or financial assistance options. Here’s how you can do it:
1️⃣ Zero-Down Loan Options
✅ VA Loan (For Eligible Military & Veterans)
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
✅ USDA Loan (For Rural & Suburban Areas)
- No down payment required
- Must meet income limits and property must be in an eligible area
- Some areas around Denver may qualify (usually further out in the suburbs)
2️⃣ Down Payment Assistance (DPA) Programs
If you don’t qualify for a zero-down loan, you can still buy with little to no out-of-pocket costs using down payment assistance programs. These programs provide grants or low-interest loans to help cover your down payment and closing costs.
✅ Colorado Housing and Finance Authority (CHFA) Down Payment Assistance
- Offers grants or second loans to cover your down payment
- Works with FHA, VA, USDA, and conventional loans
✅ MetroDPA Program (For Denver Buyers)
- Up to 5% in assistance toward down payment/closing costs
- Income limits apply
✅ Local City & County Programs
- Denver and surrounding areas often offer first-time homebuyer programs with down payment assistance
3️⃣ Negotiating Seller Concessions
- In some cases, you can ask the seller to cover part of your closing costs, reducing your upfront expenses.
Next Steps
If you're interested in buying a home with no money down, I can connect you with trusted local lenders who specialize in these programs! Let’s chat about your options and find the best path for you. 😊🏡
#AngelicaSellsDenver
Angelica Olmsted
Angelica’s path into real estate is rooted in a life full of diverse experiences and a deep appreciation for what “home” means. Growing up as an Air Force brat meant constant moves, and later, h....
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