Down Payment Assistance Greeley CO — First Time Home Buyer
Qualified First-Time Buyers in Greeley — Own Your Home for as Little as $1,000 Out of Pocket
Robert Castle — Lending in Greeley Since 1997
First Time Home Buyer Loans Colorado — Greeley & Weld County
For Qualified First-Time Buyers —
Get Into Your First Greeley Home for as Little as $1,000 Out of Pocket
For qualified buyers, owning your first Greeley home takes far less cash than you think. Ask the seller to cover your closing costs — a common request in today’s Weld County market — and let CHFA’s down payment assistance handle the rest. Put those two together and your total cash to close can drop to as little as $1,000.
Qualified buyers — out-of-pocket as low as
$1,000
✓ Appraisal included
When you make an offer on a Greeley home, you can ask the seller to cover your closing costs as part of the deal — that’s a common request here in Weld County, and it typically saves buyers $4,000–$7,500. Then CHFA — Colorado’s own state housing finance program — helps cover your down payment. The result? For qualified buyers, total out-of-pocket can drop to as little as $1,000.
✓
Appraisal cost is included in that figure. Robert walks you through your exact cash-to-close before you commit, so there are no surprise upfront fees on your Greeley or Weld County purchase.
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Qualified Buyers: As Low As $1,000
Total out-of-pocket at closing
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Seller Pays Closing
Concessions can cover $4k–$7.5k in fees
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Appraisal Included
No surprise appraisal fee
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DPA Covers Down
CHFA Down Payment Assistance
Serving Greeley, Evans, Windsor, Eaton, Severance, Johnstown, and all of Weld County, CO. For qualified borrowers; subject to credit approval and CHFA program eligibility, including income limits and homebuyer education requirements. Seller concessions are negotiated in the purchase contract and are not guaranteed; concession limits vary by loan type and sales price. CHFA assistance may be structured as a grant or a repayable second mortgage depending on the program. Robert Castle · NMLS #375348 · Excel Financial Group. This is not a commitment to lend.
First Time Home Buyer FAQ —
Greeley & Weld County, Colorado
Down payment assistance provides eligible homebuyers with funds to cover their down payment, closing costs, or both. In Colorado, CHFA (Colorado Housing and Finance Authority) is the primary state-run program that helps qualified buyers purchase a home with little to nothing out of pocket.
Through CHFA, Colorado buyers can receive meaningful assistance toward their down payment — the exact amount depends on your income, loan type, and purchase price. Call Robert at 970-690-3883 to find out exactly what you qualify for in Greeley and Weld County.
It can be — for qualified borrowers using a seller-paid closing cost strategy. When the seller agrees to cover your closing costs through a concession (a common request in today's Weld County market), and you use CHFA for your down payment, your total out-of-pocket can be as low as $1,000 — appraisal fee included. Qualification, program eligibility, and seller agreement all apply.
CHFA generally requires a minimum credit score of 620. Some loan types may have slightly different requirements. Contact Robert at 970-690-3883 for a free, no-pressure credit review — we'll tell you exactly where you stand.
Yes. CHFA down payment assistance is compatible with FHA loans, which makes it one of the most accessible combinations for first-time buyers in Greeley. It can also be paired with conventional loans depending on your situation.
CHFA income limits vary by county, household size, and program, and they update periodically. Call Robert at 970-690-3883 for the current exact limit for your household in Weld County — he'll check your eligibility against the latest published figures.
Yes. CHFA is a statewide Colorado program available in every county — including Greeley, Evans, Windsor, Eaton, Severance, Johnstown, and all of Weld County. If you're buying anywhere in Northern Colorado, CHFA can work for you.
Not always — but a seller concession is the most common strategy to bring your out-of-pocket cost down toward $1,000. In today's Greeley market your agent negotiates this into the purchase contract. Robert can walk you through exactly how to structure your offer.
It depends on the specific program you qualify for. CHFA offers more than one type of down payment assistance — some come as a second loan that's repaid only when you sell or refinance, while other programs may offer assistance structured differently. Call Robert at 970-690-3883 for a clear breakdown of which options you qualify for, including whether any grant-based assistance applies to your situation.
The easiest way is to call or text Robert Castle directly at 970-690-3883. As a local Greeley lender at Excel Financial Group, Robert will review your income, credit, and goals and walk you through the CHFA process — completely free with no obligation.
