St. Vrain Schools To Home: Down Payment Help

25%of first mortgage $0monthly payment NoPurchase Price Limit $178,920income limit $1,000minimum borrower contribution

The short version

CHFA Schools To Home is a Colorado homebuying program for eligible full-time public school employees. If you work full time for St. Vrain Valley Schools, you may qualify for assistance that can make buying a home in the Longmont, Erie, Frederick, Firestone, Mead, Dacono, or Niwot area more achievable.

The program combines a 30-year fixed-rate first mortgage with a deferred second mortgage worth up to 25% of the first mortgage amount. The second mortgage can be used toward your down payment, closing costs, prepaids, or principal reduction. 

The second mortgage has no monthly payment and no accrued interest while the program requirements are met and the obligation remains outstanding.

• Up to 25% of the first mortgage amount in second-mortgage assistance.
• $0 monthly payment and 0% interest on the second mortgage.
• No purchase price limit. None. The cap is on the loan amount, not the house.
• Income limit is $178,920 statewide — regardless of county or household size.
• $1,000 minimum borrower contribution, which may be a gift.
• You do not have to be a first-time buyer.

• Only one borrower on the loan has to be the eligible full-time public school employee.

• One important consideration: you repay the assistance plus a share of your home's appreciation when a maturity event occurs.

Program terms in this guide reflect the CHFA Schools To Home program matrix effective July 1, 2026. Program requirements can change, so always confirm current terms with a CHFA participating lender before making an offer.

On this page

1. What is the CHFA Schools To Home program?
2. Who qualifies at St. Vrain Valley Schools — and who doesn't
3. Living near St. Vrain Valley Schools
4. How much money is this, actually?
5. Shared appreciation, explained without the spin
6. A full worked example at a $600,000 Longmont home
7. When Schools To Home is the wrong move
8. The complete requirement checklist
9. What kind of homes qualify
10. Where St. Vrain staff are actually buying
11. St. Vrain Valley market considerations
12. Step by step: how to actually use it
13. St. Vrain Schools To Home FAQ

What is the CHFA Schools To Home program?

What is CHFA Schools To Home? CHFA Schools To Home is a Colorado down payment assistance program for eligible full-time public school employees. It provides a 30-year fixed-rate first mortgage paired with an optional CHFA second mortgage for up to 25% of the first mortgage amount — a zero-percent deferred loan with no monthly payment and no accrued interest.

The second mortgage can be used for:

• Down payment
• Closing costs
• Prepaid expenses
• Principal reduction

The program was created following bipartisan legislation passed during the 2025 Colorado legislative session and launched by the Colorado Housing and Finance Authority in 2026. CHFA says the program is designed to help public school employees achieve homeownership and live in the communities where they work.

For St. Vrain Valley Schools employees, that can mean a path to homeownership across communities such as Longmont, Erie, Frederick, Firestone, Mead, Dacono, and Niwot. St. Vrain Valley Schools serves a broad northern Colorado area, with schools and programs across communities including Erie, Frederick, Longmont, Mead, and Niwot. 

How the program is structured

1. A 30-year fixed-rate first mortgage. Your lender originates the first mortgage using the applicable Fannie Mae underwriting requirements, and you make the normal monthly payment on that loan.
2. A deferred second mortgage. The optional CHFA second mortgage can provide up to 25% of your first mortgage amount, with no monthly payment, no accrued interest, and no traditional interest charge.
3. Shared appreciation. When the CHFA assistance becomes due, you repay the original second mortgage amount plus a calculated shared appreciation amount, based on the original second mortgage divided by the original purchase price.

Is this free money?

No. Schools To Home is not a grant and the second mortgage isn't forgiven — it's a real financial obligation. The advantage is that you can receive substantial assistance without making monthly payments on the second mortgage. The trade-off is that you repay the assistance later and may also owe CHFA a share of the appreciation in your home. For some St. Vrain employees, that trade-off makes sense. For others, a conventional mortgage with their own down payment is the better financial choice. The right question isn't "how much assistance can I get?" — it's "what will this assistance cost me compared with the alternatives?"

Who qualifies at St. Vrain Valley Schools — and who doesn't

Which St. Vrain employees are eligible?

The program isn't limited to classroom teachers. CHFA's eligibility language covers a full-time employee of an eligible Colorado preK–12 public school, school district, charter school, institute charter school, board of cooperative educational services, or innovation zone. The important factor is not whether your job title says "teacher" — it's whether you're classified as a full-time employee by an eligible public school employer. That means eligible positions can include:

Classroom & SPED teachers Paraprofessionals & aides Counselors, psychologists, nurses Front office & registrars Custodial & maintenance Nutrition services staff Bus drivers, mechanics, dispatch Coaches & athletic staff Admin, IT, HR, finance, security

How to verify your employer: CHFA directs lenders and borrowers to the Colorado Department of Education's SchoolView system for employer verification. If you work for St. Vrain Valley Schools, your lender will verify your employment as part of the normal mortgage process.

Employer verification: CHFA uses the Colorado Department of Education's SchoolView system. The employer must appear as a qualifying public school employer, with “Public” shown in the School Type column.

Do I have to be full time?

Yes. At least one borrower must be a full-time employee of an eligible public school employer. Part-time, substitute, or seasonal employment does not independently satisfy the program's full-time employee requirement — your lender will verify your employment status.

What if my spouse doesn't work for St. Vrain?

That's okay. Only one borrower needs to meet the eligible full-time public school employee requirement. Your spouse or other occupying co-borrower can work in another industry, subject to the normal mortgage underwriting requirements. For example, you could have:

• A St. Vrain teacher + healthcare worker
• A St. Vrain paraprofessional + engineer
• A St. Vrain bus driver + construction worker
• A St. Vrain employee + self-employed spouse

The lender will still evaluate everyone's income, credit, debts, and overall ability to qualify for the mortgage. Two important limits apply, though: cosigners and non-occupying co-borrowers are not permitted, and non-borrowing spouses or anyone else not obligated on the mortgage cannot take title. Everyone on title is on the loan, and everyone on the loan lives in the house.

Can new St. Vrain employees qualify?

There is no requirement in the Schools To Home matrix for a specific number of years working for the district. However, normal employment and income underwriting still applies — your lender needs to be able to document your employment and qualifying income.

Do I have to be a first-time buyer?

No. CHFA specifically states that Schools To Home is not restricted to first-time homebuyers. A previous homeowner may still qualify if all other program and mortgage requirements are met.

Living near St. Vrain Valley Schools

One of the biggest advantages of St. Vrain Valley Schools is the geographic variety. An employee working in Longmont doesn't necessarily need to buy in Longmont. Depending on your school assignment, commute, budget, and lifestyle, you could consider communities such as Longmont, Erie, Frederick, Firestone, Mead, Dacono, and Niwot.

St. Vrain's school system spans multiple communities, and the district operates schools and programs across this broader area. That matters because housing costs, lot sizes, neighborhood styles, new construction, HOA fees, and commute times can vary considerably from one community to another. A buyer who automatically searches only within five minutes of their school may overlook homes that offer substantially better value just 10–15 minutes farther away.

Not sure which community makes sense for your specific school assignment? Browse current listings in Longmont, Erie, Frederick, or Firestone, or see every eligible Colorado district on the Schools To Home hub.

Do I have to buy near St. Vrain Valley Schools?

No. Your eligibility is based on your employment with an eligible public school employer, not on where you purchase. A qualifying St. Vrain Valley Schools employee can purchase an eligible owner-occupied home elsewhere in Colorado, subject to CHFA and lender requirements.

That means you can compare Longmont, Erie, Frederick, Firestone, Mead, Dacono, Niwot and other Colorado communities based on your commute, budget, lifestyle, and long-term plans.

How much money is this, actually?

This is where the phrase "up to 25%" needs some explanation. The 25% is not 25% of the purchase price. It is up to 25% of your first mortgage amount — those are two different numbers.

For example, on a $600,000 home with a $480,000 first mortgage, the maximum second mortgage based on 25% would be $120,000. That $120,000 could potentially be used toward your down payment and eligible closing expenses, subject to the program and your lender's underwriting.

Structure A — Zero Down, No PMI

Structure B — Higher First Mortgage / More Assistance

Structure A uses the assistance to cover the full down payment; you'd still need to satisfy the $1,000 minimum borrower contribution and account for closing costs. Structure B provides more assistance under the program's maximum 97% LTV / 105% CLTV limits, but creates a higher first mortgage and may involve mortgage insurance.

The exact structure is determined by your lender and automated underwriting. We recommend asking your lender to compare the available structures rather than automatically choosing the largest possible assistance amount — the PMI premium versus the extra assistance is a real trade that goes different directions depending on your credit score and how long you plan to stay.

Why people keep hearing "$1,000"

The $1,000 number can sound confusing. It does not mean CHFA gives you $1,000 — it means the program has a $1,000 minimum borrower financial contribution, which may be a gift, subject to applicable requirements.

Think of it this way: $1,000 is the minimum borrower contribution. Up to 25% of your first mortgage is the potential CHFA second mortgage. Those are completely different numbers. A qualified buyer could potentially use a $600,000 purchase structure with $120,000 of Schools To Home assistance while meeting the $1,000 minimum contribution requirement, depending on the complete transaction and lender approval. Your actual cash needed at closing can vary based on closing costs, prepaids, seller contributions, loan structure, and other transaction details.

Is there a maximum purchase price?

There is no separate purchase price limit under the Schools To Home program. However, the amount you can actually spend is still constrained by the applicable mortgage loan limits and your ability to qualify for the loan.

There is still a maximum mortgage loan amount: CHFA lists the maximum loan limit as the lower of $832,750 or the applicable Fannie Mae amount plus financed mortgage insurance, as applicable. So there's no separate rule capping the home's price — your purchase is limited by the mortgage amount you can qualify for.

What's the income limit?

The statewide Schools To Home income limit is $178,920, and CHFA states that this limit applies regardless of county or household size. The income limit is based on the qualifying income used by the participating lender under applicable CHFA and mortgage guidelines. This can matter for households with multiple income sources, so ask your lender how your specific income will be treated. 

CHFA SCHOOLS TO HOME

Need a CHFA Schools To Home lender?

We can connect you with a participating lender familiar with the Schools To Home program. Ask about your eligibility, maximum loan amount, monthly payment, cash-to-close, and potential shared-appreciation obligation before making an offer.

Mike Oswald New American Funding NMLS #261003

Not sure which structure fits your situation?

Send us your target price range and we'll run Structure A and Structure B side by side — free, no obligation.

Call Us: 720-575-1588 St. Vrain Area Homes

Shared appreciation, explained without the spin

This is the section to read carefully before using Schools To Home. The assistance doesn't simply disappear after closing. When the second mortgage becomes due, you repay the original CHFA second mortgage amount plus the calculated shared appreciation amount.

How is the shared appreciation percentage calculated?

The shared-appreciation percentage is determined under CHFA's Schools To Home shared-appreciation rules and is established at closing. It is tied to the amount of down payment assistance received and may not exceed the percentage of DPA provided. CHFA's published example shows a borrower receiving 25% of the first mortgage amount in DPA and owing 25% of the home's appreciation when the assistance becomes due.

How is appreciation calculated?

At a sale, the appreciation calculation generally starts with sale price minus original purchase price. CHFA's matrix also provides for appraised or fair market value in certain maturity events such as refinance or payoff. Using our example: a $600,000 original purchase price and a $780,000 future sale price gives $180,000 of appreciation. Shared appreciation is 20% × $180,000 = $36,000. The future CHFA payoff would include the $120,000 original assistance plus $36,000 shared appreciation, for a total of $156,000.

What if the home loses value?

Negative appreciation does not create a negative shared appreciation payment. You still owe the original assistance amount when the second mortgage becomes due, but you don't receive a credit for a decline in value. This is one reason to understand the second mortgage as a financial obligation rather than free money.

When does the assistance come due?

The CHFA second mortgage becomes due at certain maturity events: selling the home, refinancing, paying off the first mortgage, paying off the CHFA second mortgage, or the property no longer being your primary residence. That means you shouldn't think of Schools To Home as a permanent subsidy — it's designed to help you purchase a home now and defer the assistance until a future triggering event.

Can I refinance later?

You can potentially refinance, but you need to plan for the CHFA payoff. A refinance is a maturity event, meaning the CHFA assistance and applicable shared appreciation become due. If you're considering Schools To Home because you expect to refinance in two or three years, have your lender model that scenario before closing.

A full worked example at a $600,000 Longmont home

Let's say you're a full-time St. Vrain Valley Schools employee purchasing a home in Longmont for $600,000, using an illustrative Structure A.

At closing

Seven years later, you sell for $780,000

The remaining first-mortgage balance would depend on your actual interest rate, loan terms, and payments made during those seven years. This is an illustration, not a prediction of future home values or mortgage balances.

The honest comparison

The shared appreciation costs money — that's not something to hide. The question is whether that cost is worth the benefit of purchasing earlier.

Imagine two St. Vrain employees. Buyer A waits several years while saving a traditional down payment. Buyer B uses Schools To Home and purchases sooner. Buyer B may build equity through principal reduction, home appreciation, and earlier ownership — but also carries the future CHFA repayment and shared appreciation obligation. Buyer A may avoid shared appreciation but could spend those same years renting while saving. Neither option is automatically better; the right comparison depends on your purchase price, expected holding period, available savings, rent, mortgage rate, expected appreciation, closing costs, monthly payment, and future plans. That's why a side-by-side comparison is more useful than simply asking how much assistance you can receive.

When Schools To Home is the wrong move

Schools To Home can be powerful, but it isn't automatically the right choice. We'd tell a St. Vrain employee to slow down if:

• You may move soon. If you're likely to move in a year or two, transaction costs and the future CHFA payoff may make the purchase less attractive.
• You already have a large down payment. If you already have 15–20% saved and can comfortably purchase without assistance, compare a conventional mortgage against Schools To Home — avoiding shared appreciation may be worth more than receiving assistance you don't really need.
• You want to turn the home into a rental. The property must remain your primary residence while the CHFA obligation is outstanding. Moving out can trigger repayment.
• You're planning a major renovation. If your renovations substantially increase the home's value, that increased value can also affect the appreciation calculation.
• You're stretching your budget. Being able to qualify for a larger loan doesn't mean you should take it — leave room for repairs, property taxes, insurance, HOA dues, utilities, maintenance, and emergency expenses.
• Your credit isn't ready. The program's current matrix requires a minimum mid-credit score of 620, subject to applicable loan guidelines. If your credit needs work, improving it before buying may produce a better overall mortgage.

The complete requirement checklist

Here are the major requirements to discuss with a CHFA participating lender.

Employment

• At least one borrower must be a full-time employee of an eligible Colorado preK–12 public school employer
• Employer eligibility verified through the Colorado Department of Education

Credit & Underwriting

• Minimum mid-credit score: 620, subject to applicable loan requirements
• Maximum DTI: 50% for FICO 620–659; 55% for FICO 660+, subject to applicable underwriting requirements.
• Maximum LTV: 97% / Maximum CLTV: 105%
• Manufactured homes: maximum 95% LTV / 105% CLTV, subject to applicable requirements.
• Loans use Fannie Mae underwriting requirements

Income & Money In

• Statewide income limit: $178,920, regardless of county or household size
• Minimum borrower financial contribution: $1,000 (may be a gift)

Education

• All borrowers must individually complete a CHFA-approved homebuyer education course, valid 12 months
• CHFA's "Understanding Your Financial Commitment" course required

Loan restrictions

• No subordinate financing
• Interest-rate buydowns are not permitted
• Cosigners are not permitted
• Non-occupying co-borrowers are not permitted
• Non-borrowing spouses or others not obligated on the mortgage cannot take title

What kind of homes qualify

The program allows a broader range of properties than many buyers expect:

• One-unit single-family homes, attached or detached
• PUDs
• Condominiums
• Modular homes
• Manufactured homes are subject to additional Fannie Mae requirements and a lower maximum LTV than other eligible property types.
• Homes with an existing ADU, subject to applicable requirements

An existing ADU can be useful for multigenerational living, guest space, a home office, or flexible living arrangements — the property just has to still qualify as a one-unit owner-occupied residence.

What about a duplex?

Schools To Home is designed around one-unit owner-occupied properties. A typical duplex does not meet the one-unit property requirement. Always have your lender confirm property eligibility before writing an offer.

Is a full appraisal required for Schools To Home?

This is an important offer-strategy detail. A Property Inspection Waiver (PIW) is not permitted under the Schools To Home program — a full appraisal is required. In a competitive market, your agent and lender should know this before you submit an offer. It doesn't mean you can't compete; it means your offer strategy needs to account for the appraisal requirement from the beginning.

Where St. Vrain Valley Schools Employees Are Looking for Homes

St. Vrain Valley Schools employees have several communities to consider when comparing home prices, commute times, housing types, and overall ownership costs.

Longmont

One of the primary communities associated with St. Vrain Valley Schools, with a mix of established neighborhoods, newer construction, townhomes, condos, and single-family homes, plus a practical central location for the broader district. Browse Longmont homes.

Erie

Newer neighborhoods, growing residential areas, parks, and access toward both Boulder County and the northern Denver metro. Compare total cost of ownership rather than just the advertised price. Browse Erie homes.

Frederick

Another option in the Carbon Valley area, with a mix of established neighborhoods and newer development — worth comparing against Firestone and Dacono for value. Browse Frederick homes.

Firestone

Significant residential development and a variety of newer communities. Pay particular attention to HOA fees, metro district taxes, property taxes, and new-construction incentives. Browse Firestone homes.

Mead

A smaller-community feel while remaining within the broader St. Vrain Valley area — good for buyers who don't need to be immediately next to their school. Browse Mead homes.

Dacono

Worth considering for buyers prioritizing affordability and access to the Carbon Valley area. Compare total monthly payment rather than simply comparing list prices. Browse Dacono homes.

Niwot

A different housing environment from some of the newer northern communities. Inventory can vary significantly, so be prepared to move quickly when the right property comes available. Browse Niwot homes.

St. Vrain Valley Schools' current school information includes campuses and programs in communities such as Erie, Frederick, Longmont, Mead, and Niwot. Each of these submarkets can have different inventory, pricing, and market conditions. Rather than rely on an outdated median, we'll use current REcolorado data for the specific areas you're considering. Current local data can give you a more useful picture than a statewide or outdated average. 

Our team tracks active listings, price reductions, pending sales, and market trends through REcolorado so St. Vrain buyers can make decisions using current local market data rather than outdated averages.

St. Vrain Valley market considerations

Buying near St. Vrain Valley Schools comes with a few local considerations.

1

HOA Fees

Many newer neighborhoods in Erie, Firestone, Frederick, and Mead carry HOA fees. Add them to your monthly ownership budget, not just the mortgage payment.

2

Metro District Taxes

Some newer developments use metropolitan district financing, which can make a home that looks affordable on paper more expensive on a monthly basis. Ask your lender for the complete estimated payment.

3

New Construction

New construction can be attractive because of builder incentives, but compare rate, closing costs, HOA, metro district taxes, property taxes, lot premiums, and future maintenance — a lower advertised price doesn't automatically mean lower total ownership cost.

4

Commute

St. Vrain Valley Schools covers a large geographic area. Coaches, district administrators, specialists, and transportation staff who move between campuses may value central access more than living closest to one school.

5

Competition

A well-priced home can still attract multiple buyers. Get fully pre-approved before you begin seriously shopping, and make sure your agent and lender understand that a full appraisal is required and a Property Inspection Waiver is not permitted under the current program guidelines.

6

No Purchase Price Limit

The absence of a purchase price limit gives qualified buyers more flexibility — you aren't automatically forced into the cheapest property available. Your actual buying power is still set by income, debts, credit, and loan limits.

Step by step: how to actually use it

1. Confirm your employment. Confirm that St. Vrain Valley Schools qualifies as your eligible public-school employer and that you're classified as full time.
2. Talk to a CHFA participating lender. Not every lender specializes in CHFA loans — look for someone who understands Schools To Home specifically, not just traditional CHFA programs.
3. Get fully pre-approved. A real pre-approval includes the lender reviewing credit, income, assets, debts, employment, and automated underwriting. Don't wait until you find the perfect house.
4. Compare loan structures. Ask your lender to compare a lower first mortgage with larger assistance against a higher first mortgage with potentially larger total assistance — look at monthly payment, PMI, cash needed, and long-term cost.
5. Complete the education requirements. Complete the CHFA-approved homebuyer education course and the "Understanding Your Financial Commitment" course early, not the last week before closing.
6. Start shopping. Consider Longmont, Erie, Frederick, Firestone, Mead, Dacono, and Niwot based on your work location, budget, commute, and lifestyle.
7. Write the offer. Your agent should know you're using Schools To Home before the offer is written — the appraisal requirement and other program restrictions need to be considered during offer strategy.
8. Close. Once the lender, underwriter, title company, and CHFA requirements are satisfied, you close on the home. Then you get to do the part that matters most: go home.

St. Vrain Schools To Home FAQ

Is CHFA Schools To Home a grant?

No. It is a deferred second mortgage with a shared appreciation obligation.

Do I make monthly payments on the assistance?

No. The CHFA second mortgage has no monthly payment and no accrued interest.

How much assistance can I receive?

Up to 25% of your first mortgage amount.

How much shared appreciation could I owe?

The shared appreciation percentage is based on the original CHFA second mortgage amount divided by the original purchase price. Illustrative example: A $600,000 purchase with a $480,000 first mortgage and $120,000 of Schools To Home assistance represents 25% of the first mortgage. The applicable shared-appreciation percentage is determined under CHFA's program rules and is established at closing. If the applicable percentage were 25%, then $180,000 of appreciation would result in $45,000 of shared appreciation, in addition to repayment of the original $120,000 assistance. 

Is $1,000 all I need to contribute?

The program requires a $1,000 minimum borrower financial contribution, which may be a gift. Your actual cash needed at closing can be higher depending on closing costs, prepaids, seller contributions, loan structure, and lender requirements.

Is there a purchase price limit?

No. There is no purchase price limit under Schools To Home, although maximum mortgage loan limits still apply.

What's the income limit?

The current statewide income limit is $178,920, regardless of county or household size.

Do I have to be a first-time homebuyer?

No. Schools To Home is not restricted to first-time buyers.

What credit score do I need?

The current program matrix lists a minimum mid-credit score of 620, subject to applicable loan requirements.

Do bus drivers and custodians qualify?

Potentially, yes. The program isn't limited to teachers — an eligible full-time public school employee can qualify, subject to all other program and mortgage requirements.

Does my spouse have to work for St. Vrain?

No. Only one borrower needs to meet the eligible full-time public school employee requirement.

Can I buy with a friend or family member?

Potentially. All borrowers must satisfy the applicable occupancy, title, and mortgage requirements. Cosigners and non-occupying co-borrowers are not permitted, so have your participating lender confirm the exact structure before planning to purchase with someone other than a spouse or partner.

Can I buy a condo?

Yes, eligible condominiums can qualify subject to applicable requirements.

Can I buy a townhome?

An attached single-family property or eligible PUD can qualify, subject to applicable property requirements.

Can I buy a home with an ADU?

Yes, existing ADUs can be permitted subject to Fannie Mae requirements.

Can I buy a duplex?

The program's property requirements are for one-unit owner-occupied properties, so a typical duplex does not qualify. Confirm any unusual property configuration with your lender before making an offer.

Can I buy a newly built home with Schools To Home?

Yes. Eligible new construction homes may qualify as long as the builder, lender, and property meet CHFA and Fannie Mae requirements.

Can I rent the home later?

Not while the CHFA obligation remains outstanding if doing so means the property is no longer your primary residence — that's a maturity event.

What happens if I refinance?

The CHFA obligation becomes due at refinance, including the applicable shared appreciation amount.

What happens if my home loses value?

You still repay the original assistance, but negative appreciation does not create a negative shared appreciation payment.

Can I combine Schools To Home with another down payment assistance program?

No subordinate financing is permitted under the current program matrix.

Can the seller buy down my interest rate?

Interest-rate buydowns are not permitted under the current Schools To Home matrix.

Can I use Schools To Home anywhere in Colorado if I work for St. Vrain?

Yes. Your employment with St. Vrain Valley Schools makes you eligible, but you are not required to purchase within the district. Qualified buyers may purchase an eligible owner-occupied home anywhere in Colorado, subject to CHFA guidelines.

How long does the process take?

Your actual timeline depends on the property, lender, underwriting, appraisal, title work, and transaction. Start the process early rather than waiting until you're under contract.

Who do I call about St. Vrain Valley Schools?

Call our team at 720-575-1588 or 303-955-4220.

Let's find out if Schools To Home works for you

If you work full time for St. Vrain Valley Schools and have been wondering whether homeownership is realistic, this program is worth looking at. We can help you think through the numbers for homes in Longmont, Erie, Frederick, Firestone, Mead, Dacono, and Niwot. The goal isn't simply to get you the largest amount of assistance possible — it's to determine whether the assistance makes sense for you. If a conventional loan is better, that's the answer you should get.

The Kenna Real Estate Group · 720-575-1588 · 303-955-4220

Call Us: 720-575-1588 Search St. Vrain Area Homes

More Colorado Schools To Home Guides

Every eligible Colorado public school district gets its own Schools To Home breakdown. Links below will go live as each guide publishes — check back if one isn't active yet.

HUB — All Colorado Districts Denver Public Schools Douglas County RE-1 Aurora (Adams-Arapahoe 28J) Adams 12 Five Star St. Vrain Valley — you're here Poudre (Fort Collins) Boulder Valley District 49 (Falcon) Academy District 20 School District 27J Greeley-Evans 6 Colorado Springs D11 Colorado Charter School Institute Thompson (Loveland) Pueblo City 60 Littleton Public Schools Harrison District 2 Widefield District 3 Weld RE-4 (Windsor) Fountain-Fort Carson D8 Westminster Public Schools 50 BOCES + Small Districts Roundup

Work for a Colorado public school district that isn't St. Vrain Valley Schools? Check the hub to find the guide for your specific district.

Program details summarized here are based on the Colorado Housing and Finance Authority (CHFA) Schools To Home program matrix effective July 1, 2026. Program terms are subject to change. This article is for general informational purposes only and is not a commitment to lend, an offer of credit, or a guarantee of eligibility, loan terms, assistance, or shared-appreciation calculations. Eligibility, income limits, loan limits, credit requirements, property requirements, education requirements, and loan structure are determined by CHFA and a CHFA participating lender. Examples in this article are illustrative only. Always verify current requirements with CHFA and your participating lender before making a purchase decision. The Kenna Real Estate Group is a real estate brokerage team and does not originate loans. Not affiliated with, sponsored by, or endorsed by St. Vrain Valley Schools. Each office is independently owned and operated. Equal Housing Opportunity.