Find out if you qualify for 4% down payment assistance and calculate your potential mortgage payment.
Curious if you qualify for the Metro Mortgage Assistance Plus Program?
Use this free calculator to estimate how much assistance you could receive and what your monthly mortgage payment might look like.
It's quick, simple, and designed to help you plan your next move toward affordable homeownership in the Denver metro area.
This calculator provides estimates only and is not a guarantee of eligibility or mortgage terms. Actual rates, payments, and qualification requirements may vary. Please consult with a participating lender for official program details.
Your Mortgage Estimates
Buying a home can feel overwhelming—especially when you're trying to understand what you can afford and whether you qualify for assistance.
This calculator gives you instant answers based on your income, credit score, debt, and household size, helping you estimate your eligibility for the Metro Mortgage Assistance Plus Program.
By seeing how much down payment help you could receive and what your monthly mortgage might look like, you’ll be better prepared to take the next step with a lender or housing counselor.
The Metro Mortgage Assistance Plus Program is one of the most accessible down payment assistance options available to Denver-area homebuyers.
Whether you're a first-time buyer or returning to the market, this program offers a 4% grant that can significantly reduce your upfront costs—without adding debt.
Unlike many other assistance options, there's no repayment, no need to be a first-time buyer, and no hidden fees.
When paired with a 30-year fixed-rate mortgage from a participating lender, it creates a powerful path to stable, affordable homeownership.
Using this calculator is your first step toward understanding how this opportunity fits your financial situation—and how close you might be to owning your own home.
Got questions about how the calculator works or what the results mean? Here are the most common things homebuyers ask when using this tool.
It estimates your eligibility for the program based on your income, household size, credit score, and debt-to-income ratio.
No, the calculator gives an estimate—your final eligibility and grant amount will be determined by a participating lender.
You may qualify for a grant equal to 4% of your total loan amount, which goes toward your down payment and does not need to be repaid.
Yes, the Metro Mortgage Assistance Plus Program is open to both first-time and repeat homebuyers.
Use your current estimated credit score range—your actual score will be verified by a lender during the formal application process.
If your income is slightly over the maximum, you may not qualify for the program; the calculator will let you know based on your inputs.
Your debt-to-income ratio helps determine whether you meet the program’s 45% maximum threshold for financial stability.
The calculator uses a 30-year fixed-rate mortgage by default, as required by the program, but also allows you to compare with shorter terms.
No, it’s purely informational and does not require or perform a credit check.
If you're eligible, the next step is to contact a participating lender to begin the official application and pre-approval process.
