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Helping Colorado's Heroes Become Homeowners
Specialized homebuyer resources for teachers, first responders, healthcare workers, and more.
Free Action Guide + DPA Program Match
(No Credit Check)
How Colorado Heroes Claim Their Down Payment Assistance
Get your personalized program match in three simple steps
Get Your Free Guide
Tell us your profession and we'll send you the Hero Homebuyer Action Guide instantly.
Review Your Matches
Discover which grants, forgivable loans, and assistance programs you qualify for based on your profession.
Connect with an Expert
Get matched with a verified loan officer who specializes in hero programs and can maximize your benefits.
Available for qualifying teachers, first responders, healthcare workers, and other everyday heroes in Colorado.
Are You a Colorado Hero Eligible for Down Payment Assistance?
If you serve our community, you qualify for specialized grants that can eliminate your out-of-pocket cash requirement.
Click on any profession above to see available programs
Primary Hero Programs
Grants & Forgivable Loans
Teacher Next Door Grant
True Grant (Never Repaid)
Chenoa Fund
Forgivable Loan (5%)
Forgiven after 36–120 on-time payments (Chenoa terms apply)
MetroDPA Program
0% Deferred Second Mortgage
Available to qualified Colorado buyers — no first-time buyer requirement. Deferred 0% loan due upon sale or refinance.
VA Loan (0% Down)
Government-Backed Mortgage
Available to active military and veterans with VA eligibility. No down payment required.
Potential Boosters
Other Options That May Apply
Seller Credits
Negotiated Closing Cost Offset
Negotiable with seller to cover closing costs
Local/Employer Programs
Additional Assistance
Check with your employer or local housing authority for additional programs
CHFA-Backed First-Time Buyer Loans
CHFA-backed first-time buyer loans may also be used with many hero programs. Ask your lender about combining CHFA financing with the programs above for additional savings. Learn more from your lender.
Zero Cash Out-of-Pocket
When the right programs are combined, they can cover your full down payment and closing costs — and in some cases even your upfront insurance and tax deposits — leaving you with little to nothing out of pocket.
Programs verified via HUD, CHFA, and nonprofit partners.
Program combinations depend on property eligibility and program rules. Not all programs can be used together in every scenario. All programs require approval and may vary by county, income, and loan type.
Your FREE 90-Day Roadmap
Most qualifying buyers never access these programs because the process is overwhelming. We've simplified it into 5 clear steps that guide you from consultation to closing—so you can focus on finding your home, not navigating bureaucracy.
The Call to Adventure
Book a FREE 30-minute call with a Hero HomeReach advisor. We'll map out your personal path to homeownership.
The Mentor's Guidance
We match you with lenders and agents who specialize in hero programs and know how to maximize your benefits.
Crossing the Threshold
Get formally pre-approved and start the active hunt for your home.
The Winning Offer
Make a competitive offer requesting the maximum 6% seller concession.
The Hero's Return
Your team handles the paperwork and final approvals while you prepare to move. Sign the papers and get the keys to your new home.
Ready to Start Your Journey Today?
Verified Programs. Trusted Partners.
We only work with verified mortgage professionals who understand local hero programs. All programs listed are backed by nonprofit, government, or established financial institutions.
Verified Sources
Programs verified through HUD, CHFA, and official nonprofit partners
Licensed Professionals
Work with licensed mortgage professionals who specialize in hero programs
Hero-Focused
Dedicated to helping Colorado's teachers, first responders, and healthcare workers
Frequently Asked Questions
Get answers to common questions about hero homebuyer programs
Ready to Get Started?
Get your free action guide in 60 seconds.
© 2026 Hero HomeReach. Not a government agency.
Hero HomeReach is not a lender. Program availability is subject to change. All programs listed are for educational purposes and require additional qualification through a licensed loan officer.
Program eligibility, combinations, and benefit amounts vary based on lender guidelines, borrower qualifications, and availability.