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Affordable Homes for Sale in Castle Rock, CO

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Affordable Homes For Sale In Castle Rock, CO

Cheap homes for sale in Castle Rock: every affordable house, condo and townhome under $400,000 in the MLS, 37 this week, updated daily, 11 of them under $300,000. Each tile shows the HOA. Under the listings: the Castle Rock 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

37 Properties Found
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Castle Rock affordable homes: market snapshot, updated daily

37
Homes Listed
100
Avg. Days on Site
$283
Avg. $ / Sq.Ft.
$319,395
Med. List Price

Affordable homes in Castle Rock: the numbers this week

Cheap homes in Castle Rock are condos and townhomes: 97 percent of the 37 listings under $400,000 carry an HOA, median $404 a month, and that line decides the payment as much as the price does. 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

37 homes

11 under $300,000, 8 under $250,000. Cheapest this week: $99,900.

Median

$345,000

1,133 square feet at $283 a foot.

The HOA line

$404 a month

Median dues on the 97 percent that have them.

Your money with CHFA

About $1,000

Assistance covers the $12,075 FHA down payment; the seller pays closing.

Castle Rock homes for sale under $400,000 by price, 37 this weekUnder $250,0008$250,000 to $300,0003$300,000 to $350,0009$350,000 to $400,00017Where the under-$400,000 homes are: Castle Rock ZIP codes with the mostZIP 80104 (Founders Village and downtown Castle Rock)23ZIP 80108 (the Castle Pines side)7ZIP 80109 (The Meadows)7Castle Rock homes under $400,000 by bedrooms1 bedroom52 bedrooms243 bedrooms8What the median affordable Castle Rock home ($345,000, $404 HOA) costs a month, FHA at 7 percent, 3.5 percent downPrincipal and interest$2,215HOA dues$404Property taxes$187FHA mortgage insurance$153Homeowners insurance$115

The full payment on the median affordable Castle Rock home is about $3,074 a month, which a lender approves at about $123,000 a year of income at 30 percent, or $82,000 at 45 percent. Under $300,000 it is a one- or two-bedroom condo of about 1,133 square feet. The first townhomes with a garage appear in the $300,000s, and a detached house under $400,000 is rare and sells in days.

How the price comes down in Castle Rock

  • 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: Douglas County is a member.
  • Metro districts: every Castle Rock townhome under $400,000 carries a district levy; the table below shows it.
  • HUD homes at $100 down: Castle Rock HUD homes, when one is listed.
  • Rent-to-own, priced honestly: Castle Rock rent-to-own homes and why assistance beats it.

Related Castle Rock searches

Castle Rock starter homes · Castle Rock condos · Castle Rock townhomes · Castle Rock 2-bedroom homes · Castle Rock 3-bedroom homes · Castle Rock fixer-uppers · Castle Rock foreclosures · Castle Rock homes that pass FHA · All Castle Rock homes for sale. Nearby: Parker (54 under $400,000), Lone Tree (4 under $400,000), Littleton (193 under $400,000), Highlands Ranch (19 under $400,000). Statewide: affordable homes in Colorado, the Denver affordable homes guide.

Questions people ask about affordable homes in Castle Rock

Where are the cheapest homes for sale in Castle Rock?

In Founders Village and downtown Castle Rock, the Castle Pines side and The Meadows. ZIP 80104 alone holds 23 of the 37 Castle Rock 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 80104.

What does $300,000 buy in Castle Rock today?

Under $300,000 it is a one- or two-bedroom condo of about 1,133 square feet. The first townhomes with a garage appear in the $300,000s, and a detached house under $400,000 is rare and sells in days. 11 Castle Rock homes are listed under $300,000 this week and 8 under $250,000.

How much is the monthly payment on an affordable Castle Rock home?

About $3,074 on the $345,000 median with an FHA loan at 7 percent and 3.5 percent down: $2,215 principal and interest, $404 HOA, $187 taxes, $153 mortgage insurance, $115 insurance. A lender approves that payment at about $123,000 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 Castle Rock?

About $1,000 with CHFA assistance: the 3 percent grant covers the FHA down payment ($12,075 on the median), the seller pays closing costs through the offer, and the earnest money comes back at closing. Without assistance it is about $17,575. The worked example is on $1,000 cash to close; the rules on CHFA down payment assistance.

Which down payment programs work in Castle Rock?

CHFA statewide (620 score, income under $178,920, 3 percent grant or 4 percent second mortgage). metroDPA: Douglas County is a member. Metro districts: every Castle Rock townhome under $400,000 carries a district levy; the table below shows it. Every program and its catch is on affordable homes in Colorado.

Are there HUD homes or foreclosures in Castle Rock?

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 Castle Rock HUD homes. Bank-owned and fixer listings are on Castle Rock foreclosures and Castle Rock fixer-uppers.

Is rent-to-own cheaper in Castle Rock?

No. A lease-option on a $350,000 home takes about $10,000 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 Castle Rock rent-to-own homes.

The cheapest Castle Rock listings the morning they post

Text CASTLE ROCK 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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