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Affordable Homes for Sale in Brighton, CO

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Affordable Homes For Sale In Brighton, CO

Cheap homes for sale in Brighton: every affordable house, condo and townhome under $400,000 in the MLS, 52 this week, updated daily, 11 of them under $300,000. Each tile shows the HOA. Under the listings: the Brighton ZIP codes with the most affordable homes, what the median one costs a month, and the programs that bring your cash to about $1,000.

Call or text 303-955-4220. A live person answers. Showings seven days a week. Affordable homes across Colorado

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Brighton affordable homes: market snapshot, updated daily

50
Homes Listed
75
Avg. Days on Site
$249
Avg. $ / Sq.Ft.
$308,844
Med. List Price

Affordable homes in Brighton: the numbers this week

Cheap homes in Brighton split between condos with dues and small houses without: 56 percent of the 52 listings under $400,000 carry an HOA, median $280 a month, so the same price buys two different payments. The grid above is every one of them, updated daily; the charts below show where they are, what they cost a month and which programs bring the cash to about $1,000.

Under $400,000

52 homes

11 under $300,000, 10 under $250,000. Cheapest this week: $60,000.

Median

$360,000

1,216 square feet at $267 a foot.

The HOA line

$280 a month

Median dues on the 56 percent that have them.

Your money with CHFA

About $1,000

Assistance covers the $12,600 FHA down payment; the seller pays closing.

Brighton homes for sale under $400,000 by price, 52 this weekUnder $250,00010$250,000 to $300,0001$300,000 to $350,00011$350,000 to $400,00030Where the under-$400,000 homes are: Brighton ZIP codes with the mostZIP 80601 (Brighton proper and Brighton East Farms)44ZIP 80602 (north Thornton and the Brighton line)5ZIP 80603 (Brighton east by Barr Lake)3Brighton homes under $400,000 by bedrooms2 bedrooms253 bedrooms204+ bedrooms7What the median affordable Brighton home ($360,000, $280 HOA) costs a month, FHA at 7 percent, 3.5 percent downPrincipal and interest$2,311HOA dues$280Property taxes$180FHA mortgage insurance$159Homeowners insurance$120

The full payment on the median affordable Brighton home is about $3,050 a month, which a lender approves at about $122,000 a year of income at 30 percent, or $81,000 at 45 percent. Under $300,000 it is a condo or an older two-bedroom house; $300,000 to $400,000 is where the three-bedroom houses and the newer townhomes with a garage start, about 1,216 square feet at the median.

How the price comes down in Brighton

  • CHFA assistance: 3 percent grant or 4 percent second mortgage, 620 score, income under $178,920, repeat buyers welcome. The program and the $1,000 cash-to-close math.
  • metroDPA: Adams County is a member.
  • USDA on the east side: addresses east of Brighton toward Barr Lake and Lochbuie carry USDA zero-down eligibility.
  • HUD homes at $100 down: Brighton HUD homes, when one is listed.
  • Rent-to-own, priced honestly: Brighton rent-to-own homes and why assistance beats it.

Related Brighton searches

Brighton starter homes · Brighton condos · Brighton townhomes · Brighton 2-bedroom homes · Brighton 3-bedroom homes · Brighton fixer-uppers · Brighton foreclosures · Brighton homes that pass FHA · All Brighton homes for sale. Nearby: Commerce City (56 under $400,000), Thornton (130 under $400,000), Lochbuie (2 under $400,000), Fort Lupton. Statewide: affordable homes in Colorado, the Denver affordable homes guide.

Questions people ask about affordable homes in Brighton

Where are the cheapest homes for sale in Brighton?

In Brighton proper and Brighton East Farms, north Thornton and the Brighton line and Brighton east by Barr Lake. ZIP 80601 alone holds 44 of the 52 Brighton homes under $400,000 this week, and the top three ZIPs hold 100 percent. The map above shows every one; the ZIP pages start with 80601.

What does $300,000 buy in Brighton today?

Under $300,000 it is a condo or an older two-bedroom house; $300,000 to $400,000 is where the three-bedroom houses and the newer townhomes with a garage start, about 1,216 square feet at the median. 11 Brighton homes are listed under $300,000 this week and 10 under $250,000.

How much is the monthly payment on an affordable Brighton home?

About $3,050 on the $360,000 median with an FHA loan at 7 percent and 3.5 percent down: $2,311 principal and interest, $280 HOA, $180 taxes, $159 mortgage insurance, $120 insurance. A lender approves that payment at about $122,000 a year of income. Run your own numbers on can I afford a home now.

How much cash do I need to buy a cheap home in Brighton?

About $1,000 with CHFA assistance: the 3 percent grant covers the FHA down payment ($12,600 on the median), the seller pays closing costs through the offer, and the earnest money comes back at closing. Without assistance it is about $18,100. The worked example is on $1,000 cash to close; the rules on CHFA down payment assistance.

Which down payment programs work in Brighton?

CHFA statewide (620 score, income under $178,920, 3 percent grant or 4 percent second mortgage). metroDPA: Adams County is a member. USDA on the east side: addresses east of Brighton toward Barr Lake and Lochbuie carry USDA zero-down eligibility. Every program and its catch is on affordable homes in Colorado.

Are there HUD homes or foreclosures in Brighton?

HUD homes sell as-is at HUD's appraised price with a $100 down option on an FHA loan; Colorado has 26 this week and the list changes every Monday on Brighton HUD homes. Bank-owned and fixer listings are on Brighton foreclosures and Brighton fixer-uppers.

Is rent-to-own cheaper in Brighton?

No. A lease-option on a $360,000 home takes about $11,000 up front plus a rent premium, with no title until the end, where CHFA puts you on title now for about $1,000 at a 620 score. The side-by-side is on Brighton rent-to-own homes.

The cheapest Brighton listings the morning they post

Text BRIGHTON and your top price to 303-955-4220. A live person answers, sets up the under-$400,000 search with the HOA shown on every tile, and runs the CHFA numbers the same day. Showings seven days a week.

Call or text 303-955-4220 Affordable homes across Colorado

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