Colorado Housing and Finance Authority

CHFA's entire organization is focused on helping people and businesses succeed. We’ve seen the positive effects of homeownership and business expansion reverberate throughout communities.

CHFA Mortgage Credit Certificate

The CHFA Mortgage Credit Certificate (MCC) program will help you save money each year that you live in your home! With the MCC program you can claim up to 20 percent of your paid mortgage interest each year as a tax credit on your federal IRS tax returns. The remaining 80 percent is still eligible for the home mortgage interest deduction.

Every year, you may claim a dollar-for-dollar reduction of income tax liability on 20 percent of the mortgage interest on your first mortgage, reducing the amount of federal taxes owed.

CHFA FirstStep and CHFA FirstStep Plus

The CHFA FirstStep and CHFA FirstStep Plus statewide Mortgage Loan programs are available to first time homebuyers and eligible veterans. These programs offer affordable interest rates and a 30 year term. CHFA FirstStep Plus includes a 30 year fixed rate second mortgage loan to assist with down payment and/or closing costs.

Borrowers must meet income and purchase price limits, as well as complete a CHFA approved first time homebuyer education class. CHFA FirstStep and CHFA FirstStep Plus loans may be subject to the (CHFA reimbursable) IRS Recapture Tax and may not be used in conjunction with the Mortgage Credit Certificate (MCC) program.

CHFA HomeOpener and CHFA HomeOpener Plus

CHFA HomeOpener and CHFA HomeOpener Plus are statewide first mortgage programs available to homebuyers. There are no purchase price limits or first time homebuyer requirements, and mortgage loans originated in these programs are not subject to the Recapture Tax provision.

The CHFA HomeOpener Plus program includes the CHFA Second Mortgage Loan to assist with down payment and/or closing costs for a single family property. The programs offers market interest rates.




Featured Government Grant Resources


Achieving the Dream Program for First Time Home Buyers in New York

One of the programs of the State of New York Mortgage Agency, is the Achieving the Dream Program wherein it seeks to provide eligible low income first time home buyers with really low down payment mortgage financing programs.







California Homebuyer's Downpayment Assistance Program for First Time Home Buyers

The California Homebuyer's Downpayment Assistance Program is a deferred payment junior loan that can be used in conjunction with other CalHFA housing programs. It provides borrowers with funds amounting to 3% of the actual value of the property that they wish to inquire in order to cover the downpayment costs.


Here are the star companies that have succeeded in their corporate social responsibility (CSR) programs. The companies were gathered by Civic 50, a national initiative to survey and rank S&P 500 corporations on how they engage with the communities they serve and utilize best practices in their corporate cultures.





Not Ready to Buy Yet?

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