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New - Just Now
You Show Up for Colorado's Kids Every Day. This Program Helps You Get Home.
Colorado created a homebuying program just for public school employees — and that means everyone who works at your school, not just teachers. It can put up to 25% of your first mortgage toward your down payment and closing costs, with no monthly payment on that money while you live in the home. For many qualified buyers, that means bringing as little as $1,000 in cash to closing. It works the same way whether you're in the Denver metro, the Front Range, Colorado Springs, Pueblo, or a small district in between — find your district below for the guide built specifically for you.
25% of your first mortgage in down payment & closing cost help
$1,000 Cash to close for many qualified buyers
$0 monthly payment on the assistance while it's your home
No Cap on purchase price — buy anywhere in Colorado
$178,920 statewide income limit — same in every county
Many eligible school employees can purchase with as little as $1,000 cash to close while receiving up to 25% down payment assistance through CHFA Schools to Home. Ask us if you qualify.
Who Qualifies? Probably You.
Any full-time employee of a Colorado public school district, charter or institute charter school, BOCES, or innovation zone qualifies — regardless of job title.
Teachers
Paras
Counselors
Front Office
SPED Staff
Custodial & Maintenance
Nutrition Services
Bus Drivers
Coaches
Administrators
Buying with a spouse or partner? Only one person on the loan has to be the school employee.
Not Restricted to First-Time Buyers
This program is not restricted to first-time homebuyers, has no purchase price limit, and can be used anywhere in Colorado. What changes district to district is the local housing market, nearby neighborhoods, and which specific employers count — which is why we've built a guide for each one below.
See If You Qualify — No Cost, No Commitment
One 20-minute call tells you whether you qualify for up to 25% down payment assistance and whether you may be able to purchase with as little as $1,000 cash to close.
Find My District ↓ Call 303-955-4220How It Works
1
One Quick Call
20 minutes with our team. We look at rent vs. own on your actual paycheck — real numbers, zero pressure.
2
Check Your Fit
Our lender partner runs the CHFA Schools to Home numbers alongside other programs and tells you which one truly wins for you.
3
Shop on Your Schedule
Showings after the bell, on weekends, over breaks, and all summer. We work around your school calendar.
4
Close & Move In
We handle the CHFA paperwork lane — and when you close with our team, moving-week truck and boxes are on us.
Straight Talk — This Is Not Free Money
Read This Before You Get Excited
The assistance is a deferred second mortgage with a shared appreciation piece. You pay nothing monthly on it, but when you sell, refinance, pay off the first mortgage, or the home stops being your primary residence, you repay it plus an agreed share of your home's appreciation — which goes back into the Public School Permanent Fund for the next educator.
There's an income limit, a credit score requirement, a homebuyer education class, and it can't be stacked with other CHFA down payment programs. Sometimes a different program beats this one. We'll run both side by side and tell you the truth. While many qualified buyers only need about $1,000 in cash to close, the exact amount depends on your loan, purchase price, and individual qualification.
Perks for School Staff From Our Team
Rent vs. Own, on Your Paycheck
20 minutes, real numbers, zero pressure — even if the answer is "keep renting for now."
Showings on Your Schedule
After the bell, weekends, breaks, and all summer long.
A Lender Who Has Done These
We handle the CHFA paperwork lane for you, start to finish.
Moving Week Help
Truck and boxes on us when you close with our team.
Why Are There Separate District Guides?
The CHFA Schools to Home program follows the same statewide rules no matter where you work — but every district has a different housing market, different neighborhoods, different commute patterns, and different home prices. Each guide below walks through how the program applies where you work and where you may want to buy, using real numbers for that area instead of generic statewide averages.
Find Your District
Select your district below for local pricing examples, nearby neighborhoods, and answers to the questions specific to where you work. New district guides are added every week as the rollout continues.
Denver Metro
Jefferson County (Jeffco) Read the Jeffco Schools Guide → Cherry Creek Schools Read the Cherry Creek Schools Guide → Denver Public Schools 90,452 students Read the Denver Public Schools Guide → Douglas County RE-1 61,243 students Read the Douglas County Schools Guide → Aurora (Adams-Arapahoe 28J) 38,702 students Read the Aurora Schools Guide → Adams 12 Five Star 34,466 students Read the Adams 12 Schools Guide → Littleton Public Schools 13,109 students Read the Littleton Schools Guide → Westminster Public Schools 50 7,724 students Read the Westminster Schools Guide →
Front Range North
St. Vrain Valley 31,607 students Read the St. Vrain Valley Guide → Poudre (Fort Collins) 29,381 students Read the Poudre Schools Guide → Boulder Valley 27,988 students Read the Boulder Valley Guide → Greeley-Evans 6 22,917 students Read the Greeley-Evans Guide → School District 27J (Brighton) 24,046 students Read the 27J Schools Guide → Thompson (Loveland) 14,580 students Read the Thompson Schools Guide → Weld RE-4 (Windsor) 8,728 students Read the Weld RE-4 Guide →
Colorado Springs Region
District 49 (Falcon) 25,689 students Read the District 49 Guide → Academy District 20 25,607 students Read the Academy D20 Guide → Colorado Springs D11 22,227 students Read the D11 Schools Guide → Harrison District 2 11,938 students Read the Harrison D2 Guide → Widefield District 3 9,191 students Read the Widefield Schools Guide → Fountain-Fort Carson D8 7,955 students Read the Fountain-Fort Carson Guide →
Pueblo
Statewide & Small District Resources
Frequently Asked Questions
Does the program work the same way in every district?
The core terms are set by CHFA and apply statewide — the same income limit, the same assistance structure, the same eligibility rules. What differs by district is the local housing market, nearby neighborhoods, and which specific employers (including charter schools and BOCES) count toward eligibility in that area — which is why each district has its own guide below.
What if I work near a district boundary?
Eligibility is based on your employer, not the city you live in or where your school building sits. If your area has overlapping districts nearby, your district's guide will confirm exactly which employer list applies to you.
I work for a charter school or BOCES — do I qualify?
Yes. Eligible employers include Colorado preK-12 public schools, school districts, charter schools, institute charter schools, boards of cooperative educational services (BOCES), and innovation zones.
How do I know if I qualify?
Find your district above for the guide built specifically for your area, or call our team directly at 303-955-4220 — one conversation with our lender partner can confirm your eligibility at no cost and with no commitment.
Can I really buy with only $1,000 cash to close?
Many qualified buyers using the CHFA Schools to Home program can purchase with as little as $1,000 in cash to close. The exact amount depends on factors such as your loan program, purchase price, closing costs, and qualification. We'll review your options and let you know exactly what to expect.
Find Out If You Can Buy with as Little as $1,000 Cash to Close
No cost. No commitment. Just an honest answer about whether Schools to Home — or something better — fits your situation.
— The Kenna Real Estate Group | team line 303-955-4220
Lender partner: Mike Oswald, New American Funding · NMLS #261003 · 303-917-6737
Program details summarized from the Colorado Housing and Finance Authority (CHFA) Schools to Home program and are subject to change. This page is for general information only and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, terms, or assistance amounts. Eligibility, income limits, purchase price limits, credit requirements, and shared appreciation terms are determined by CHFA and a CHFA participating lender. The Kenna Real Estate Group is a real estate brokerage team and does not originate loans. Each office is independently owned and operated. Equal Housing Opportunity.
© 2026 The Kenna Real Estate Group at Keller Williams DTC. All rights reserved. Helping You Find Your Pad™ — Fort Collins to Colorado Springs.
