Seller Concession Strategy
Buy a Home in Colorado for
Just $1,000 Out of Pocket
With a seller concession covering your closing costs, your total upfront investment can be as low as $1,000 — appraisal fee already included.
Your out-of-pocket cost
$1,000
✓ Appraisal included
When you negotiate a seller concession at closing, the seller covers your closing costs — typically $4,000–$8,000. Combined with CHFA, MetroDPA, or Chenoa down payment assistance, your total out-of-pocket drops to just $1,000.
Appraisal cost is included in that $1,000. No surprise upfront fees — the number you see is the number you pay at closing.
$1,000 Total
Your full out-of-pocket at closing
Seller Pays Closing
Concessions cover $4k–$8k in fees
Appraisal Included
No surprise appraisal fee
DPA Covers Down
CHFA, MetroDPA or Chenoa
Questions about seller concessions or which DPA program fits your situation? Robert Castle runs the numbers free — no obligation.
Call (970) 690-3883For More Information Call or Text Castle at 970-690-3883
Powered by Excel Financial Group /// Robert Castle /// NMLS 375348
* For qualified borrowers only /// Based on seller-paid closing cost scenario /// Subject to credit approval and program availability
🏠 Frequently Asked Questions — Government Down Payment Assistance Colorado
Government Down Payment Assistance provides eligible homebuyers with funds to cover their down payment, closing costs, or both. In Colorado, programs like CHFA, MetroDPA, and the Chenoa Fund help qualified buyers purchase a home with little to nothing out of pocket.
Depending on the program, Colorado buyers can receive up to $25,000 in down payment assistance. The amount varies based on your income, loan type, and which program you qualify for. Call Castle at 970-690-3883 to find out exactly how much you qualify for.
Yes — for qualified borrowers in a seller-paid closing cost scenario. When the seller agrees to cover your closing costs through a concession, and you use a Government Down Payment Assistance program for your down payment, your total out-of-pocket cost can be as low as $1,000 including the appraisal fee.
Most Colorado down payment assistance programs require a minimum credit score of 620. Some programs may require higher scores depending on the loan type. Contact Castle at 970-690-3883 for a free credit review.
Yes. MetroDPA is compatible with FHA loans and is one of the most flexible down payment assistance programs available in Colorado. It can also be used with conventional loans depending on your situation.
CHFA income limits vary by county and household size across Colorado. Generally limits range from $120,000 to $180,000 annually depending on your location. Call Castle at 970-690-3883 for the exact limit in your county.
Yes. Government Down Payment Assistance programs including CHFA, MetroDPA, and Chenoa Fund are available throughout Northern Colorado including Fort Collins, Greeley, Loveland, Windsor, and Longmont.
Not always — but a seller concession is the most common strategy to bring your out-of-pocket cost down to $1,000. In a competitive market your agent negotiates this into the purchase contract. Castle can walk you through how to structure your offer.
All three are Government Down Payment Assistance programs available in Colorado but each has different income limits, assistance amounts, and loan requirements. CHFA is state-wide, MetroDPA focuses on the Denver metro area, and Chenoa Fund is a national program. Castle will match you with the best fit for your situation.
The easiest way is to call or text Castle at 970-690-3883. Robert Castle at Excel Financial Group will review your income, credit, and loan options and match you with the right Government Down Payment Assistance program — completely free with no obligation.
📞 Still have questions? Call or Text Castle at 970-690-3883
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