NO MONEY DOWN PROGRAMS

GOVERNMENT PROGRAMS

City of Fort Collins

The City of Fort Collins Home Buyer Assistance Program is for households that are financially ready to buy a home but lack the required cash to cover down payment and closing costs.

HUD

HUD has special home buying programs available to Officers, Teachers, Non-Profit Agencies, and Local Governments.

PRIVATE PROGRAMS

Nehemiah

Gift funds up to 6% of the final contract sales towards your down payment and/or closing costs

Neighborhood Gold

Neighborhood Gold is a non-profit organization, that provides grants for prospective homeowners.

Colorado Cares

The Colorado Cares Program helps cash-strapped buyers with free gift money for down payment and closing costs.

Newsong Down Payment Assistance Program

The Down Payment Assistance Program is a fast and easy way to help home buyers with money at closing for no down payment mortgage and assistance for closing costs that they do not have to repay. Zero down payment grants assistance is not just for first time home buyer loans.

PRIVATE BANKING INSTITUTIONS

Mortgage Source of Colorado

Besides our standard loan programs, we also have a large number of unique programs to serve your needs:

• Purchase a house with 0 down
• Piggyback loans 80-10-10 or 80-15-5. No PMI payments even with 5% or 10% down.
• Debt consolidation programs
• Home Improvement loans
• Qualify even if you may have been turned down before!

WELLS FARGO:

EMERGING MARKETS

100% financing that allows secondary financing with approved Home Ownership Down Payment Assistance Program.

80% FIRST 20% SECOND

Simple 100% financing with no money down.

AFFORDABLE PLUS

Seller contributions up to 6% down.

CHAMP

Non warrantable condos ok.

COMMUNITY HOME OWNERSHIP

Up to 103% financing.

SMART PAY

Interest only 100% financing.