--- title: "Longmont, CO Home Prices 2026 + Buyer Programs — Ownify" description: "Longmont median home price, monthly payment, and a first-time buyer path with 2% down — plus Colorado DPA programs." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://ownify.com/#organization", "name": "Ownify", "alternateName": "Ownify Homeownership", "url": "https://ownify.com/", "logo": "https://ownify.com/favicon.png", "description": "Ownify is a fractional homeownership platform that helps first-time homebuyers buy a real home with as little as 2% down by partnering with long-term capital investors. Active in Colorado, North Carolina, and Tennessee.", "foundingDate": "2022", "areaServed": [ { "@type": "State", "name": "Colorado" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Tennessee" } ], "sameAs": [ "https://www.linkedin.com/company/ownify", "https://x.com/ownifyhome", "https://www.facebook.com/ownifyhome", "https://www.instagram.com/ownifyhome", "https://www.youtube.com/@ownify" ], "contactPoint": { "@type": "ContactPoint", "contactType": "customer support", "url": "https://ownify.com/contact", "areaServed": [ "US-CO", "US-NC", "US-TN" ], "availableLanguage": "English" } }, { "@context": "https://schema.org", "@type": "WebSite", "@id": "https://ownify.com/#website", "url": "https://ownify.com/", "name": "Ownify", "publisher": { "@id": "https://ownify.com/#organization" }, "inLanguage": "en-US" }, { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://ownify.com/markets/colorado/longmont#webpage", "url": "https://ownify.com/markets/colorado/longmont", "name": "Longmont, CO Home Prices 2026 + Buyer Programs", "description": "Longmont median home price, monthly payment, and a first-time buyer path with 2% down — plus Colorado DPA programs.", "isPartOf": { "@id": "https://ownify.com/#website" } }, { "@type": "Place", "@id": "https://ownify.com/markets/colorado/longmont#place", "name": "Longmont, Colorado", "address": { "@type": "PostalAddress", "addressLocality": "Longmont", "addressRegion": "CO", "addressCountry": "US" } }, { "@type": "FAQPage", "@id": "https://ownify.com/markets/colorado/longmont#faq", "mainEntity": [ { "@type": "Question", "name": "What is the median home price in Longmont?", "acceptedAnswer": { "@type": "Answer", "text": "$545,000 as of Q1 2026." } }, { "@type": "Question", "name": "How much do I need to buy a home in Longmont?", "acceptedAnswer": { "@type": "Answer", "text": "With a traditional mortgage you would need roughly $109,000 (20% down) plus ~$16,350 in closing costs. With Ownify, you can move in with $10,900 (2% down)." } }, { "@type": "Question", "name": "What down-payment assistance is available in Longmont?", "acceptedAnswer": { "@type": "Answer", "text": "CHFA DPA Grant. See every Longmont DPA program." } }, { "@type": "Question", "name": "What's the monthly payment on a median-priced home in Longmont?", "acceptedAnswer": { "@type": "Answer", "text": "About $3,275/mo with a 20% down conventional mortgage at current rates. With Ownify it's typically $2,300/mo." } }, { "@type": "Question", "name": "Is Ownify available in Longmont?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Ownify operates throughout Colorado, including Longmont. Check if you qualify." } } ] }, { "@type": "Organization", "@id": "https://ownify.com/#org", "name": "Ownify", "url": "https://ownify.com/", "areaServed": [ { "@type": "State", "name": "Colorado" }, { "@type": "State", "name": "North Carolina" }, { "@type": "State", "name": "Tennessee" } ] } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://ownify.com/" }, { "@type": "ListItem", "position": 2, "name": "Market Reports", "item": "https://ownify.com/markets" }, { "@type": "ListItem", "position": 3, "name": "Longmont, CO", "item": "https://ownify.com/markets/colorado/longmont" } ] }, { "@context": "https://schema.org", "@type": "RealEstateAgent", "name": "Ownify in Longmont", "url": "https://ownify.com/markets/colorado/longmont", "parentOrganization": { "@id": "https://ownify.com/#organization" }, "areaServed": [ { "@type": "City", "name": "Longmont" } ], "address": { "@type": "PostalAddress", "addressRegion": "US-CO", "addressCountry": "US" } } ] --- We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience and analyze website traffic. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy . You can change your cookie settings at any time by clicking “Preferences .” Accept [![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=53035703.7ef84bf7db22bfb20ef0ac27c655ed28.1787187862283.1787187862283.1787187862283.1&__hssc=53035703.1.1787187862283&__hsfp=459a5155cbd50c6758f41a978f891916)[Get started](https://app.ownify.com/applications/new?__hstc=53035703.7ef84bf7db22bfb20ef0ac27c655ed28.1787187862283.1787187862283.1787187862283.1&__hssc=53035703.1.1787187862283&__hsfp=459a5155cbd50c6758f41a978f891916) ![Residential neighborhood in Longmont](/assets/longmont-hero-Db8f-gYU.jpg) Colorado · Longmont # Buying Your First Home in Longmont, CO: A 2026 Guide (And the Boulder Alternative Math) [Back to Colorado](/markets/colorado) Buying your first home in Longmont? CHFA, metroDPA and the local county programs can cover most or all of a down payment — see [Colorado first-time home buyer programs and what you actually qualify for](/colorado-first-time-home-buyer). The median home price in **Longmont, CO** is roughly **$545,000** (as of Q1 2026). A first-time buyer can move in with as little as 2% down using Ownify's fractional ownership program — about **$10,900** upfront instead of the ~$109,000 a 20% down payment would require. Longmont median ~$545K Days on market 67 Months of supply 2.07 Boulder Cnty + CHFA stack Up to ~$50K Data last updated: April 20, 2026 ### What would it take to buy in Longmont? The median home in Longmont is $545,000. Here is the rough down payment math: Path Upfront Conventional 20% down $109,000 FHA 3.5% down $19,100 Ownify fractional, 2% $10,900 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 Longmont plan](/myplan?city=Longmont%2C%20CO&src=market) **$4 million.** That's the state grant the City of Longmont won in February 2026 to build the 1st & Main downtown transit hub — 10 bus bays, 40 bike and scooter spots, 700 parking spaces, and (most importantly for first-time buyers) **300 new housing units** with ground-floor retail. Layered on top of True North Affordable Housing's 185 downtown units delivered in late 2025, the new 84-room Hotel Longmont, a 172-unit senior living facility at Common Drive and Brien Avenue, and the Redfin median sale price of **$545,000** (down 1.4% year over year per [Redfin](https://www.redfin.com/city/30791/CO/Longmont/housing-market)) — 2026 is Longmont's most active development year in a decade and one of its most buyer-favorable price environments since 2020. This guide walks five Longmont neighborhoods where the math works, the Boulder County DPA stack that routinely adds $40,000 to a Longmont first-time-buyer's closing, the CHFA state programs that layer on top, and the specific "Longmont vs. Boulder" math that now heavily favors Longmont for most income profiles. Overview ## The Longmont Housing Market at a Glance for First-Time Buyers Longmont is a ~100,000-person city in Boulder County, roughly 30 minutes north of Boulder along the Diagonal Highway (CO-119) and 45 minutes north of Denver via I-25. Most of the city sits in Boulder County; smaller pieces cross into Weld County on the east side. The city's historical economy ran on agriculture and manufacturing; the 2000s–2010s transformation shifted that base to tech and biotech, anchored by Seagate Technology's 600-employee campus at 389 Disc Drive, IBM's data center and engineering presence, Lockheed Martin Space's regional operations, and a rapidly growing biotech cluster with more than 93 active local biotech job postings tracked on LinkedIn as of early 2026. The 2026 housing numbers: Zillow's Home Value Index sits at **$546,398**, down 4.7% year over year as of February 2026. Redfin's median sale price registers **$545,000** (down 1.4% YoY as of January 2026). Movoto tracks a 30-day median near $545,000 with a 2.7% YoY decline. Price per square foot runs around $250–$275 depending on the data source. Days on market have extended to **67 days**; months of supply sits at roughly **2.07**. The market has softened at the price level while sales volume has actually increased — up 12.59% year over year — meaning buyers are transacting, just at lower prices than 2024. That's exactly the profile of a buyer-favorable market with real liquidity. Longmont's structural first-time-buyer story: three-quarters of the way across the Boulder County line, 43% cheaper than the Boulder median, with most of the same county-level DPA programs available. The price gap between Longmont and Boulder has widened over the last two years — Boulder has softened less than Longmont in absolute terms, but the ratio remains roughly constant at 0.57x. For a first-time-buyer household working a tech employer in Gunbarrel (bordering Longmont's west side) or a biotech firm in the Longmont industrial corridor, Longmont is almost mechanically the better math. ### The "Longmont vs. Boulder" Decision Framework Because so many Longmont first-time buyers are specifically weighing it against Boulder, here's the direct comparison: Longmont vs. Boulder: first-time-buyer comparison, April 2026 Metric Longmont Boulder Median sale price $545,000 $957,309 Price per square foot ~$260 ~$425 Months of supply 2.07 2.2 Days on market 67 55 Boulder County DPA available Yes (up to $40K) No (inside city limits excluded) MetroDPA coverage Partial / verify Yes Commute to Gunbarrel tech employers 10 min via Diagonal 15 min from downtown Commute to downtown Boulder 25 min via Diagonal N/A (you live there) For most first-time-buyer income profiles, Longmont wins the math. The exceptions: buyers whose specific employer or lifestyle filter requires Boulder proper (CU faculty, federal research employees at NCAR/NOAA, or buyers who prioritize walkable Pearl Street proximity as non-negotiable). For everyone else — tech worker at Seagate or IBM, biotech employee, Boulder-adjacent startup — Longmont's combination of 43% price discount, Boulder County DPA access, and shorter commute to specific Boulder County tech clusters makes it structurally better. ### What Makes a Longmont Neighborhood First-Time-Buyer-Friendly Longmont's first-time-buyer filter is different from Boulder's. Price-to-income ratios actually work here; you don't need a program stack to make the math function for most households. What you're optimizing for is the right combination of neighborhood character, commute geography, and long-term resale trajectory: - **Foothills proximity.** Longmont sits at the base of the Rocky Mountain foothills. Properties within sight of (or walking distance to) the foothills carry a 5–15% resale premium. - **Diagonal Highway access.** CO-119 (the Diagonal) runs from Longmont's southwest to Boulder. Properties with easy Diagonal access preserve commute value. - **Downtown walkability.** Old Town Longmont and the 1st & Main transit hub corridor are experiencing active revitalization. Walking-distance properties benefit. - **Boulder County DPA stack alignment.** Most of Longmont qualifies. Verify specific addresses before assuming. - **School zone.** St. Vrain Valley School District. Specific school boundaries vary widely in resale impact. ### Five Longmont Neighborhoods Where the First-Time-Buyer Math Works ### Old Town Longmont Old Town is the historic walkable core — a grid of Main Street and 3rd/4th/5th/6th Avenue blocks with early-1900s Craftsman bungalows, Victorian cottages, and a character retail and restaurant base that has grown steadily through the 2020s. Typical first-time-buyer SFH runs **$450,000–$650,000**; smaller bungalows under $500K do appear. Townhome and condo infill around Main Street is the most dynamic product category, with new-construction units typically $370K–$500K. The neighborhood's revitalization arc includes the Stewart Auditorium, the Firehouse Art Center, and dozens of independent restaurants and breweries. Walkability to the 1st & Main transit hub (when it delivers in 2027) will add meaningful amenity value to adjacent blocks. For a first-time buyer who wants walkable character without Boulder pricing, Old Town is the answer. ### Prospect New Town Prospect is Longmont's master-planned walkable urban development — Colorado's most distinctive new-urbanist neighborhood. Eclectic architecture, colorful modern homes, mixed-use retail, pedestrian streets, and a central plaza give Prospect a visual identity unlike anything else in Longmont. Median sale price runs **$965,005** per Redfin (up 15% year over year, 12-month average) — a premium neighborhood by Longmont standards. Most first-time-buyer product lives in the townhome and smaller SFH inventory at **$500K–$700K**. The neighborhood anchors around Prospect Park and the Prospect Market; a 10-minute drive to Old Town. Residents describe Prospect as "the Boulder alternative for people who want new-construction walkability." It's aspirational for many first-time buyers; workable for buyers with dual tech-employer incomes. ### Downtown Longmont infill & the 1st & Main transit corridor The blocks surrounding the in-development 1st & Main transit hub are where Longmont's most active 2026–2027 first-time-buyer delivery is concentrated. True North Affordable Housing (185 units delivered late 2025), the Hotel Longmont mixed-use project (84 rooms plus ground-floor retail), and the planned 300-unit transit-hub residential component together represent roughly 600 new units coming online within a half-mile radius. Pricing for the transit-corridor townhome and condo inventory lands in the **$370,000–$500,000** range — the most accessible first-time-buyer price band in the city. Walkability to Main Street restaurants, retail, and the future transit hub. For a buyer prioritizing new construction at the lowest practical Longmont price point, this is the zone. ### West Longmont / Foothills Proximity The western side of Longmont — including neighborhoods like Renaissance, Ponderosa Heights, and the Meadowview / Hover Crossing corridor — tracks properties closest to the Rocky Mountain foothills. The foothills-adjacency premium means SFH inventory in this zone runs **$600,000–$900,000**, though starter SFH at $550K–$650K still exists. The appeal is scenic: direct foothills views, quick access to Boulder County open space trails, and the Diagonal Highway commuting artery. Typical first-time buyer here is a dual-earner household — one working tech in Gunbarrel or Boulder, the other in Longmont proper — willing to spend for views and recreation access. ### East Longmont / Weld County edge The eastern side of Longmont crosses into Weld County along the 95th Street and Pace Street corridors. Weld County portions of Longmont offer meaningful price discounts — typically 5–10% below west-side comps — with the trade-off of different school boundaries, different county tax rates, and somewhat less established neighborhood amenity bases. Typical first-time-buyer SFH runs **$425,000–$550,000**; townhomes and smaller units are available from $350K. For a buyer whose primary filter is absolute affordability, the east Longmont corridor offers the lowest-priced 2026 product that's still realistically accessible. **Local language.** Longmont locals say **"downtown Longmont"** or **"Main Street"** for the historic core, **"Prospect"** for Prospect New Town, **"the Diagonal"** for CO-119 connecting Longmont to Boulder, **"foothills proximity"** as a value descriptor, and **"St. Vrain"** for the school district (never spelled out as "St. Vrain Valley" in casual use). The main west-east artery is **Ken Pratt Boulevard** (which is actually the same road as Longmont's stretch of CO-119 through the city). Transit is RTD bus; no rail service yet. Longmont residents don't call themselves "Longmonters" in ordinary conversation — they just say they live in Longmont. The city's nickname, when one is used, is "The Mont," but it's not universal. New supply ## The 1st & Main Transit Hub, True North, and the 2026 Development Pipeline Longmont's development pipeline in 2026 is the most active in the city's recent history, and unlike Boulder's supply-constrained environment, Longmont is actually adding meaningful housing supply in ways that should keep price appreciation moderate through 2028. ### 1st & Main Downtown Transit Hub Per [BizWest's February 2026 coverage](https://bizwest.com/2026/02/27/fort-collins-longmont-win-state-transit-related-grants/), the City of Longmont won a **$4 million state grant** to build the 1st Avenue and Main Street transit hub. The integrated project combines 10 bus bays, 40 bike and scooter parking spaces, 700 parking spaces, ground-floor retail, and critically — **300 new housing units**. It's the anchor project of downtown Longmont's decade-long revitalization, and it will deliver in phases through 2027. ### True North Affordable Housing [Mile High Commercial Real Estate's coverage](https://milehighcre.com/city-of-longmont-breaks-ground-on-affordable-housing-community/) of the True North project: **185 units of affordable housing** in downtown Longmont, with reservations opening April 2025 and completion in late summer 2025. True North directly addresses the city's workforce-housing gap and is one of the largest affordable-housing deliveries in Longmont history. ### Hotel Longmont Per [the Longmont Leader](https://www.longmontleader.com/local-news/downtown-longmont-transformation-begins-8394323): the **Hotel Longmont** boutique hotel is an 84-room facility with a rooftop restaurant, under construction mid-2025 with a 2026 opening planned. It's not directly a residential project, but the ancillary impact on downtown amenity base and adjacent condo values is real. ### Senior Living at Common Drive & Brien Avenue A **172-unit senior living facility** combining Assisted Living, Independent Living, and Memory Care at the Common Drive and Brien Avenue intersection. Not first-time-buyer inventory directly, but it frees up single-family-home inventory as older Longmont residents transition to the new facility — a modest but real supply-side benefit. ### Longmont Active Development Log The [City of Longmont Active Development Log](https://longmontcolorado.gov/planning-and-development-services/plans-and-reports/active-development-log-and-map/) tracks dozens of in-progress residential projects. Builder activity is concentrated in the downtown infill corridor, the east-Longmont / Weld County edge, and the Ken Pratt Boulevard retail corridor. ### What First-Time Buyers Are Actually Closing On Longmont property-type breakdown, Q1 2026 Product type Typical price range Where it shows up Single-family home $450K – $750K Old Town, West Longmont foothills-adjacent, East Longmont/Weld County edge. Townhome $370K – $550K Downtown infill, Ken Pratt corridor, Prospect New Town starter product. Condo $320K – $475K Downtown-proximate new construction, True North-adjacent. Prospect New Town SFH $700K – $1.2M The premium end — generally move-up territory. Sources: [Redfin](https://www.redfin.com/city/30791/CO/Longmont/housing-market), [Zillow](https://www.zillow.com/home-values/32563/longmont-co/), [Orchard market report](https://orchard.com/homes/real-estate-market-report/city/co/longmont), April 2026. Supply & demand ## Supply, Demand, and What It Means for Your Offer Longmont's 2026 market sits at an unusual and specifically buyer-favorable point: **2.07 months of supply**, **67-day DOM**, prices down 1–5% year over year depending on data source, **sales volume up 12.59% YoY**. That last number is the interesting one — buyers are actively transacting at these softer prices, which suggests the market is clearing rather than stuck. Practical implications for a first-time buyer: - **On Longmont inventory that's been on market past 45 days** — roughly half the active listings given the 67-day median DOM — a 3–5% below-asking offer with $5,000–$10,000 in seller-paid closing costs is reasonable. - **On new-construction at True North, the transit-hub corridor, and the eastern Weld County edge**, builders are running typical 2026 incentives: rate buy-downs to 5.25–5.5%, $10K–$20K in upgrades, and closing cost credits. - **On Prospect New Town inventory**, expect less negotiation — the neighborhood's 15% YoY appreciation (premium for walkable character) means fewer motivated sellers. - **On Old Town character stock**, individual seller motivation varies widely — pull the listing history and look for previous price cuts; that's your strongest signal of room to negotiate. #### Median home price, last 5 years Source: Zillow Home Value Index / local realtor association (quarterly, smoothed). Values in $ thousands. #### Median days on market, last 24 months Source: Redfin Data Center / local realtor association. The slope through 2025 reflects the buyer-favorable shift. #### Months of supply, last 24 months Source: local realtor association / Redfin Data Center. Balanced markets sit at 4–6 months. Forecasts ## What the Major Forecasters Are Saying About Longmont ### Zillow [Zillow Research](https://www.zillow.com/home-values/32563/longmont-co/) projects roughly flat to +2% for Longmont in 2026, with the market stabilizing after the 4.7% YoY decline. Zillow flags Northern Colorado as "transitioning to balance" with modest positive appreciation expected as mortgage rates ease. ### Redfin [Redfin's Longmont commentary](https://www.redfin.com/city/30791/CO/Longmont/housing-market) frames the 2026 market as buyer-favorable but stabilizing, with the 12-month forward projection in the 2–4% appreciation range. ### NAR 2026 Forecast Summit The [NAR 2026 Forecast Summit](https://www.nar.realtor/magazine/real-estate-news/nar-2026-forecast-summit-predicts-positive-recovery-with-regional-affordability-hurdles) projects national home-price growth around +4% for 2026. Longmont specifically should track closer to the national average than Boulder does — Longmont's supply flexibility and diversified employer base support this. ### Fannie Mae ESR Group [Fannie Mae's February 2026 commentary](https://www.fanniemae.com/data-and-insights/forecast) projects 30-year rates settling near 5.9% by end of 2026. For a typical $500K Longmont purchase, that rate move is worth roughly $18,000–$25,000 of purchasing power versus the 2024–2025 rate peaks. ### CoreLogic HPI Forecast CoreLogic's December 2025 HPI projects below-long-run-average national appreciation. Longmont specifically, with its active construction pipeline and tech-employer base, should track the national average. ### What This Means for a First-Time Buyer in Longmont Consensus: modest positive appreciation (1–4%) over 12 months with meaningful rate-relief tailwinds. For a first-time buyer holding 7–10 years, Longmont's long-term resale is supported by the continuing Seagate/IBM/biotech employer base, the ongoing downtown revitalization (particularly the 1st & Main transit hub delivery in 2027), and the structural price discount vs. Boulder that anchors demand at the Longmont end of the Diagonal. **On forecasts:** These reflect the views of their respective authors — Zillow, Redfin, NAR, Fannie Mae, CoreLogic — as of the dates cited. They are not predictions by Ownify. Housing markets carry risk. Consult a licensed mortgage and real-estate professional. Affordability & DPA ## Affordability, Boulder County DPA & CHFA The affordability math on a $545,000 Longmont median home, 5% conventional down ($27,250), 30-year fixed at 6.1%: P&I **~$3,140/month**. Add property tax (~$280), insurance (~$135), PMI (~$220). All-in PITI: roughly **$3,775/month**, pointing to qualifying household income near **$151,000** at 30% DTI. Achievable for a dual-earner tech household, particularly with the Boulder County DPA stack reducing cash-to-close meaningfully. Now run the same math on a **$425,000 Longmont townhome** with FHA 3.5% down ($14,875): P&I ~$2,490/month; add ~$220 tax, ~$105 insurance, ~$200 HOA, ~$195 FHA MIP. All-in PITI **~$3,210/month**, pointing to qualifying income near **$128,000**. That's accessible for a wide range of first-time-buyer households. Stack Boulder County DPA ($35,000) + CHFA grant ($12,750) + seller concessions ($5,000), and cash-to-close drops to roughly $3,000. ### The Traditional Path: Mortgage + Longmont's DPA Stack Boulder County DPA is the single most important layer for most Longmont first-time buyers. If the traditional mortgage path works for you, start a pre-qualification at [ownify.com/mortgage](https://ownify.com/mortgage?__hstc=53035703.7ef84bf7db22bfb20ef0ac27c655ed28.1787187862283.1787187862283.1787187862283.1&__hssc=53035703.1.1787187862283&__hsfp=459a5155cbd50c6758f41a978f891916). - **Boulder County Down Payment Assistance.** Up to **$40,000** for qualifying first-time buyers purchasing in Boulder County _outside_ Boulder city limits — which includes the vast majority of Longmont. Income caps and program details at [the Boulder County DPA guide](https://bouldercolorado.gov/homeownership/guide-down-payment-assistance-programs). This is the highest-value Longmont-specific DPA. - **CHFA Down Payment Assistance Grant.** Up to 3% of loan amount (max $25,000), non-repayable. 620+ credit. Income caps vary by county — Boulder County's limits are higher than most Colorado counties. [CHFA](https://www.chfainfo.com/homeownership/down-payment-assistance). - **CHFA HomeAccess Second Mortgage.** Up to $25,000, 0% interest, deferred until primary mortgage payoff or month 361. - **CHFA FirstStep / FirstGeneration.** 30-year fixed FHA/VA/USDA mortgages paired with DPA. FirstGeneration is specifically for buyers whose parents/guardians never owned a home. - **MetroDPA.** Longmont sits at the edge of the MetroDPA coverage area. Verify specific eligibility directly before assuming it applies. - **Colorado Housing Assistance Corporation (CHAC).** Up to $12,000 second mortgage, 80% AMI. Service area primarily Adams/Arapahoe/Denver/Douglas/Jefferson counties, but select Boulder County properties may qualify — verify. - **Impact Development Fund.** Boulder County purchase-assistance products for workforce buyers. [IDF](https://impactdf.org/). - **Habitat for Humanity of the St. Vrain Valley.** Local Habitat affiliate serving Longmont; below-market Habitat homes and sweat-equity paths for income-qualified households. - **FHA (3.5% down), VA (0% down), USDA (0% down in eligible rural areas).** Parts of outer Longmont (eastern edge, Weld County portion) do qualify for USDA. Most of Longmont proper does not. - **HUD Good Neighbor Next Door.** Teachers, police, firefighters, EMTs: 50% off list on eligible HUD properties. Longmont, CO first-time buyer programs (April 2026) Program Level Amount Form Source Boulder County DPA County Up to $40,000 Deferred 2nd [Boulder Co.](https://bouldercolorado.gov/homeownership/guide-down-payment-assistance-programs) MetroDPA (if eligible) Metro Up to 4% grant / 6% forgivable Grant or forgivable 2nd [MetroDPA](https://www.metrodpaprogram.com/) CHFA DPA Grant State Up to 3% (max $25,000) Non-repayable grant [CHFA](https://www.chfainfo.com/homeownership/down-payment-assistance) CHFA HomeAccess State Up to $25,000 0% deferred 2nd [CHFA](https://www.chfainfo.com/homeownership/down-payment-assistance) CHFA FirstStep / FirstGeneration State 30-yr fixed FHA/VA/USDA + DPA Primary mortgage [CHFA](https://www.chfainfo.com/single-family-participating-lenders/chfa-firststep) Impact Development Fund Nonprofit Varies Purchase assistance [IDF](https://impactdf.org/) CHAC Nonprofit Up to $12,000 Low-interest 2nd [CHAC](https://chaconline.org/) Habitat St. Vrain Nonprofit Below-market home Primary program Contact local affiliate FHA Federal 3.5% down Primary mortgage [HUD](https://www.hud.gov/buying/loans) VA loan Federal 0% down Primary mortgage [VA](https://www.benefits.va.gov/homeloans/) USDA (outer Longmont) Federal 0% down (eligible areas) Primary mortgage [USDA](https://www.rd.usda.gov/) HUD Good Neighbor Next Door Federal 50% off list (eligible) 3-yr owner-occupancy [HUD](https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot) ### The Typical First-Time-Buyer Stack in Longmont For most Longmont first-time buyers: 1. A CHFA FirstStep FHA mortgage (3.5% down) or conventional 97 (3% down). 2. The CHFA DPA Grant (up to 3% of loan, non-repayable). 3. Boulder County DPA (up to $40,000 second mortgage) — the distinctive Longmont stacking layer. 4. Seller concessions on listings that have sat past 45 days. 5. Builder incentives on new-construction townhomes and condos. This stack routinely gets Longmont first-time-buyers to under $6,000 cash-to-close on a $450,000 townhome. For many dual-earner households, the entry barrier essentially disappears. Success stories ## First-Time Buyers Who Made the Leap in Longmont ### Seagate engineer, Old Town bungalow, Boulder County DPA + CHFA A 33-year-old Seagate systems engineer (household income $135,000, with a teacher spouse) purchased a 1920s Old Town Longmont bungalow for $489,000 in January 2026. Stack: FHA 3.5% down ($17,115), Boulder County DPA $35,000 deferred second, CHFA DPA Grant $14,670 non-repayable, and $4,500 in seller-paid closing credits on a listing that had been on market 71 days. Out-of-pocket cash-to-close: roughly $4,200. Commute to Seagate's Longmont campus: 6 minutes by car. Walk to Main Street restaurants. Pattern consistent with Boulder County DPA program documentation. ### Downtown transit-corridor townhome, conventional 97 + builder incentive A couple in their early 30s (combined household income $158,000, both working in Boulder County tech) purchased a new-construction townhome in the 1st & Main transit-hub-adjacent corridor for $445,000 in late 2025. Conventional 97 loan (3% down, $13,350), builder rate buy-down to 5.25% for the life of the loan, $14,000 in upgrades, and $4,000 in closing credits. HOA $225/month. Walk to the in-development transit hub and Main Street. This is the pattern that's working on Longmont's new-construction pipeline in 2026 — builder incentives frequently exceed traditional DPA value. ### East Longmont / Weld County starter, USDA + CHFA A young family (household income $88,000; teacher and nursing-assistant) purchased a modest 3-bedroom SFH on the east Longmont / Weld County edge for $415,000 in early 2026. The parcel qualified for USDA financing (0% down, no PMI). Stack: USDA loan, CHFA DPA Grant $12,450 non-repayable, and $3,500 in seller-paid closing costs on a listing that had sat 83 days. Out-of-pocket cash-to-close under $1,500. St. Vrain Valley schools; 10-minute commute to downtown Longmont jobs. This is the kind of first-time-buyer story Longmont's eastern-edge product type specifically enables. Explore more ## Keep learning about Ownify [ For homebuyers ### How Ownify works See the brick-by-brick model and what 2% down really means for your monthly payment. ](/homebuyers/how-it-works)[ Eligibility ### Are you a fit? Six buyer profiles Ownify was built for — see if your numbers work. ](/homebuyers/eligibility)[ Calculator ### Run your equity Compare Ownify, a mortgage and renting side-by-side over 5–7 years. ](/myplan)[ Compare ### Ownify vs. mortgage Where each path wins, and where Ownify saves you 5–7% upfront. ](/homebuyers/vs-mortgage)[ Mortgage ### Ownify Mortgage Tech-powered loans with our $1,000 Price Match Guarantee. ](/mortgage)[ More markets ### Back to Colorado Browse other Ownify metros and submarket reports. ](/markets/colorado) FAQ ## Frequently asked questions ### Is Longmont a good place to buy a first home in 2026? ### What is the median home price in Longmont? ### Is Longmont cheaper than Boulder? ### What is Prospect New Town? ### What is the 1st & Main transit hub? ### Does Boulder County DPA apply to Longmont? ### Does MetroDPA apply to Longmont? ### Which Longmont neighborhoods are best for first-time buyers? ### What major employers anchor Longmont? ### What is True North affordable housing? ### Can I get a mortgage through Ownify? ### Are Longmont prices going up or down in 2026? ### Should I buy in Longmont instead of Boulder? ### What is the median home price in Longmont? ### How much do I need to buy a home in Longmont? ### What down-payment assistance is available in Longmont? ### What's the monthly payment on a median-priced home in Longmont? ### Is Ownify available in Longmont? ![Frank Rohde, Founder & CEO of Ownify](/assets/frank-rohde-DCfv89pU.png) By [Frank Rohde](/about) · Founder & CEO, Ownify **Frank Rohde** is Founder and CEO of [Ownify](https://ownify.com/?__hstc=53035703.7ef84bf7db22bfb20ef0ac27c655ed28.1787187862283.1787187862283.1787187862283.1&__hssc=53035703.1.1787187862283&__hsfp=459a5155cbd50c6758f41a978f891916), the leading fractional homeownership platform in the U.S. He also manages the Ownify Home Funds, co-investing with qualified first-time homebuyers. Prior to Ownify, Frank was CEO of Nomis Solutions, the leading mortgage-pricing engine globally. He's a 3x fintech founder and entrepreneur with deep experience in data science, machine learning, real estate, and pricing. Prior to Nomis, Frank was Vice President of Product Management at [FICO](https://www.fico.com/) — the maker of the credit score. Frank started his career at [Oliver Wyman](https://www.oliverwyman.com/) after graduating with a BS in Finance and Real Estate from [The Wharton School](https://www.wharton.upenn.edu/) at the University of Pennsylvania. Frank is a licensed Realtor (**NCREC 340356**) and a licensed Mortgage Loan Originator (**NMLS 2723220**). Watch [Frank's TEDx talk on how we can help young people become homeowners](https://www.youtube.com/watch?v=gDYGQUR99lE). ### About this report ### About this report **Not financial, legal, or real-estate advice.** Data sourced from Zillow, Redfin, Houzeo, Orchard, Colorado Association of REALTORS, CHFA, Boulder County, City of Longmont, BizWest, Mile High Commercial Real Estate, and local news. Third-party forecasts attributed to their authors, not Ownify. Real estate investing involves risk. Consult a licensed real estate professional, mortgage loan originator, or financial advisor. Ownify, Inc. operates in multiple U.S. states including Colorado. Mortgage services provided through licensed NMLS-registered mortgage loan originators. Data last updated: April 20, 2026. Data last updated: April 20, 2026. ### Photo credits - Longmont residential image — via [Unsplash](https://unsplash.com/s/photos/colorado-neighborhood). ### 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