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CHFA SmartStep Down Payment Assistance Program
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CHFA SmartStep Program is one of the most popular down payment assistance program CHFA offers.
It is less restrictive than their CHFA FirstStep Program and has more options for down payment assistance.
CHFA SmartStep program is a 30 year fixed FHA, VA or USDA loan without any requirement to be a first time home buyer.
CHFA SmartStep has two options for down payment assistance:
Second mortgage for 4% of the first mortgage amount and has no monthly payments and 0% interest. Just pay it off when you sell, refinance or reach a $0 balance.
OR
Grant for 3% of the first mortgage amount and never has to be repaid.
Income limits do apply but they are very simple and straightforward. All borrowers on the loan must have qualifying income of $126,200 or less.
There are loan limits also which are the lesser of $510,400 or the county loan limit for the program being used (FHA, VA or USDA).
To be eligible you must purchase a single family home, townhome, condo or manufactured home that you plan to occupy as your primary residence.
All CHFA programs require a homebuyer education class to be taken by all borrowers. Right now classes are being offered online for free (normally online classes have a cost) due to COVID-19.
Helpful Links & Related Videos:
Whenever you're ready...here are some ways we can assist with your next home purchase:
📙 Download our Homebuyer Guide: Things to Consider When Buying a Home.
🤑 Get the list of Colorado’s No & Low Down Mortgage Options so you can purchase your next home with less money than you thought possible.
🚀 Want a boost in your credit score? Most advice about credit is generic or misleading and can hurt your home loan qualifying position. Take advantage of our Credit Booster Program and we'll provide the exact steps you need to take to boost your credit score fast with a home purchase and mortgage pre-approval as the top priority!
⛰️ Want a pre-approval that makes buying a home easy? Find out how our Rock Solid Pre-Approval provides you with the confidence you can buy a home and are utilizing the best home loan option to do so.
Scott Wynn
Wynn & Eagan Team at Citywide Home Loans
Mortgage Advisor
(720) 608-5533
This is not a commitment to lend. Program restrictions apply.
11990 Grant Street, Suite 120, Northglenn, CO 80233
It is less restrictive than their CHFA FirstStep Program and has more options for down payment assistance.
CHFA SmartStep program is a 30 year fixed FHA, VA or USDA loan without any requirement to be a first time home buyer.
CHFA SmartStep has two options for down payment assistance:
Second mortgage for 4% of the first mortgage amount and has no monthly payments and 0% interest. Just pay it off when you sell, refinance or reach a $0 balance.
OR
Grant for 3% of the first mortgage amount and never has to be repaid.
Income limits do apply but they are very simple and straightforward. All borrowers on the loan must have qualifying income of $126,200 or less.
There are loan limits also which are the lesser of $510,400 or the county loan limit for the program being used (FHA, VA or USDA).
To be eligible you must purchase a single family home, townhome, condo or manufactured home that you plan to occupy as your primary residence.
All CHFA programs require a homebuyer education class to be taken by all borrowers. Right now classes are being offered online for free (normally online classes have a cost) due to COVID-19.
Helpful Links & Related Videos:
Whenever you're ready...here are some ways we can assist with your next home purchase:
📙 Download our Homebuyer Guide: Things to Consider When Buying a Home.
🤑 Get the list of Colorado’s No & Low Down Mortgage Options so you can purchase your next home with less money than you thought possible.
🚀 Want a boost in your credit score? Most advice about credit is generic or misleading and can hurt your home loan qualifying position. Take advantage of our Credit Booster Program and we'll provide the exact steps you need to take to boost your credit score fast with a home purchase and mortgage pre-approval as the top priority!
⛰️ Want a pre-approval that makes buying a home easy? Find out how our Rock Solid Pre-Approval provides you with the confidence you can buy a home and are utilizing the best home loan option to do so.
Scott Wynn
Wynn & Eagan Team at Citywide Home Loans
Mortgage Advisor
(720) 608-5533
This is not a commitment to lend. Program restrictions apply.
11990 Grant Street, Suite 120, Northglenn, CO 80233
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