The Metro Mortgage Assistance Plus Program helps Denver-area homebuyers secure a 30-year fixed-rate mortgage and up to 4% of the loan amount as a down payment grant—no repayment required. Available to eligible buyers earning up to $103,000. No first-time buyer requirement.
Verify Your Metro Mortgage Assistance Plus Eligibility
The Metro Mortgage Assistance Plus Program provides eligible homebuyers in the Denver metro area with a 30-year fixed-rate mortgage and a 4% down payment assistance grant.
This grant does not need to be repaid and can significantly reduce upfront homebuying costs.
Designed for low- to moderate-income households, the program is available even to non–first-time buyers purchasing a primary residence.
The Metro Mortgage Assistance Plus Program is designed for a wide range of homebuyers in the Denver metro area who need help affording a home.
First-time homebuyers looking for extra financial support.
Repeat homebuyers who don’t currently own a home.
Low- to moderate-income individuals and families.
Renters ready to transition into homeownership.
Buyers who want to purchase a primary residence in the Denver metro area.
Working professionals with stable income but limited savings.
Buyers who qualify for a conventional or FHA 30-year fixed-rate mortgage.
Households seeking a more affordable path to owning a home in Colorado.
If you’re looking for an easier path to homeownership and meet the basic criteria, this program could be the right fit for you.
This program offers several key advantages that make buying a home more affordable and achievable.
Receive a 4% down payment assistance grant—no repayment required.
Access a competitive 30-year fixed-rate mortgage.
No first-time homebuyer requirement.
Available across multiple participating cities and counties in the Denver metro area.
Reduces upfront costs, making homeownership more affordable.
Can be used with conventional or FHA loans.
Offers free HUD-approved homebuyer education through local nonprofit partners.
Helps buyers build long-term equity and stability with lower entry barriers.
With financial support and educational resources, the Metro Mortgage Assistance Plus Program helps buyers overcome common barriers to homeownership.
To participate in the program, homebuyers must meet a specific set of eligibility criteria.
Income must be under $91,000 for 1–2 person households, or under $103,000 for 3 or more.
Minimum credit score of 640.
Maximum debt-to-income ratio of 45%.
Must contribute at least 0.5% of the mortgage amount toward closing costs.
Home must be a primary residence located in a participating city or county.
Must complete a HUD-approved homebuyer education course.
Must use a 30-year fixed-rate mortgage from a participating lender.
Meeting these requirements ensures you can take full advantage of the down payment assistance and fixed-rate mortgage benefits.
Check your eligibility online today to see if you qualify for up to 4% in down payment assistance. The application process is simple and designed to help you move toward homeownership with confidence.
Choose from approved nonprofit partners offering free classes online or in-person.
Work with a lender enrolled in the program who can offer a qualifying 30-year fixed-rate mortgage.
Prepare proof of income, bank statements, credit details, and any other required documents.
Your lender will help you apply for the down payment assistance grant and guide you through the process.
Once approved, you’ll receive the 4% assistance at closing to reduce your out-of-pocket costs.
The Metro Mortgage Assistance Plus Program offers a 30-year fixed-rate mortgage through participating lenders.
The down payment assistance is provided as a grant equal to 4% of the total loan amount, which does not require repayment.
The mortgage must be used to purchase a primary residence within a participating city or county, and all borrowers must meet the program’s income, credit, and contribution requirements to qualify.
Only fixed-rate loan products are eligible—adjustable-rate or interest-only loans are not permitted under this program.
Below are the most common questions homebuyers ask about the Metro Mortgage Assistance Plus Program—everything you need to know, answered simply.
It’s a homebuyer assistance program that offers a 30-year fixed-rate mortgage and a 4% down payment grant to eligible buyers in the Denver metro area.
The program provides a grant equal to 4% of your total loan amount, which is applied toward your down payment and never has to be repaid.
Eligible buyers must meet income limits, have a minimum credit score of 640, and plan to live in the home as their primary residence.
No, both first-time and repeat homebuyers can qualify as long as they meet the program requirements.
Income must be under $91,000 for households of 1–2 people or under $103,000 for households of 3 or more.
It is a grant, not a loan—there is no repayment required.
You’ll need a minimum FICO credit score of 640 to qualify.
Yes, the program works with both FHA and conventional 30-year fixed-rate mortgages.
You can apply through a participating lender after completing a HUD-approved homebuyer education course.
The program works with a network of approved lenders—ask your lender if they participate or visit the program’s official site for a full list.
With decades of experience helping first-time and repeat homebuyers navigate the mortgage process, we specialize in connecting buyers with the Metro Mortgage Assistance Plus Program and similar affordable homeownership solutions.
Our team works closely with trusted local lenders, housing counselors, and program administrators to make sure you get the guidance and support you need—without the confusion.
From eligibility to closing, we’re here to simplify the process and help you unlock real, lasting homeownership with confidence.
