---
title: "Colorado First-Time Home Buyer Guide 2026 — Ownify"
description: "Buy your first home in Colorado with 2% down — Denver, Boulder, Fort Collins, Longmont, and Thornton. Median prices, CHFA DPA, and the Ownify path."
lang: en
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[![Ownify](/assets/ownify-logo-color-B9tRH5I9.png)](/)

[Homebuyers](/homebuyers)

[Investors](/investors)

[Agents](/agents)

[Markets](/markets)

[Research](/research/ownify-university)

[Blog](/blog)

[About](/about)

[Sign in](https://app.ownify.com/auth/magic/request?__hstc=53035703.069f41d7e81af67e8631bfd80cc92954.1787187792447.1787187792447.1787187792447.1&__hssc=53035703.1.1787187792447&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.069f41d7e81af67e8631bfd80cc92954.1787187792447.1787187792447.1787187792447.1&__hssc=53035703.1.1787187792447&__hsfp=459a5155cbd50c6758f41a978f891916)

![Residential landscape in Colorado where Ownify helps first-time buyers](/assets/colorado-hero-BhFOWXiT.jpg)

Market

# Colorado

Denver. Boulder. The Front Range & beyond.

[

New guide

Colorado first-time home buyer programs: CHFA, DPA and real costs

CHFA, metroDPA, employer match, and stackable city programs — explained.

Read the guide ](/colorado-first-time-home-buyer)

Colorado homeownership is slipping out of reach for working families. The Ownify Home Fund Colorado pairs local capital with first-time buyers to bridge the gap from renting to owning.

Cities served

## Colorado markets

In-depth 2026 first-time-buyer guides for every market Ownify operates in.

### Denver Metro

[

Denver

Capital city · LoDo, RiNo, Wash Park

Median home: ~$575K

](/markets/colorado/denver)[

Arvada

G Line light rail · Olde Town

Median home: ~$625K

](/markets/colorado/arvada)[

Aurora

Diverse, fast-growing east metro

Median home: ~$485K

](/markets/colorado/aurora)[

Centennial

Cherry Creek schools · DTC

Median home: ~$700K

](/markets/colorado/centennial)[

Lakewood

W Line light rail · Belmar

Median home: ~$580K

](/markets/colorado/lakewood)[

Thornton

N Line commuter rail · north metro

Median home: ~$540K

](/markets/colorado/thornton)[

Westminster

3,300+ acres open space

Median home: ~$555K

](/markets/colorado/westminster)

### Northern Front Range

[

Boulder

CU Boulder · Flatirons · tech hub

Median home: ~$1.1M

](/markets/colorado/boulder)[

Longmont

Boulder County · St. Vrain Valley

Median home: ~$545K

](/markets/colorado/longmont)[

Fort Collins

CSU anchor · Old Town · Mason Corridor

Median home: ~$535K

](/markets/colorado/fort-collins)[

Greeley

Most affordable Front Range

Median home: ~$415K

](/markets/colorado/greeley)

### Southern Colorado

[

Pueblo

Most affordable CO city · Riverwalk

Median home: ~$295K

](/markets/colorado/pueblo)

### What would it take to buy in Colorado?

Owen, our AI agent, checks which of 12+ financing paths fit your income, income source, debt, and credit, including down payment assistance programs in Colorado. Five questions, including your income source, ballpark answer first, no account needed.

[Build my plan](/myplan?src=market)

### Homebuyers

-   [How it works](/homebuyers/how-it-works)
-   [Are you eligible?](/homebuyers/eligibility)
-   [Build my plan](/myplan)
-   [Ownify vs. mortgage](/homebuyers/vs-mortgage)
-   [Ownify vs. rent-to-own](/how-rent-to-own-works)
-   [Detailed calculators](/homebuyers/detailed_calculators)
-   [Ownify Mortgage](/mortgage)

### Investors

-   [Why invest](/investors)
-   [Investor FAQ](/investors/faq)
-   [North Carolina Home Fund](/investors/north-carolina)
-   [Colorado Home Fund](/investors/colorado-home-fund)
-   [Become a partner](/investment-partner)

### Agents

-   [How it works](/agents/how-it-works)
-   [Agent benefits](/agents/benefits)
-   [Get accredited](/agents/accreditation)

### Markets

-   [Colorado](/markets/colorado)
-   [North Carolina](/markets/north-carolina)
-   [Tennessee](/markets/tennessee)
-   [California](/markets/california)
-   [All markets](/markets)

### Company

-   [About us](/about)
-   [Our impact](/research/our-impact)
-   [Ownify University](/research/ownify-university)
-   [Reviews](/reviews)
-   [Blog](/blog)
-   [Ownify Tools & Tech](/tech)

[![Ownify](/assets/ownify-logo-reversed-CShwpfYm.png)](/)

[Terms](/legal/terms)[Privacy](/legal/privacy)[Contact](/contact)[Consent Preferences](#)[Do Not Sell or Share My Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)[Limit the Use Of My Sensitive Personal Information](https://app.termly.io/notify/50967156-fd3e-48cb-95dc-98f33b36600a)

© 2026 Ownify, Inc. All rights reserved. Equal Housing Opportunity.

Fractional ownership investments are provided by Ownify, Inc., 548 Market Street #25841, San Francisco, CA 94104. Real Estate Brokerage services may be provided by Ownify Real Estate LLC, NCREC C36616. Mortgage broker and loan processing services are offered through Real-Finity Mortgage, LLC, dba Realfinity. NMLS #2445766 and #2723220. Real-Finity Mortgage, LLC is a licensed mortgage brokerage and maintains its corporate headquarters at 929 Alton Road Suite 500, Miami Beach, FL, 33139.

✕

-   Hi, I'm Owen. I can build a personalized homeownership plan for you here: https://ownify.com/myplan