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Affordable Homes for Sale in Fort Collins, CO

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Affordable Homes For Sale In Fort Collins, CO

Cheap homes for sale in Fort Collins: every affordable house, condo and townhome under $400,000 in the MLS, 168 this week, updated daily, 65 of them under $300,000. Each tile shows the HOA. Under the listings: the Fort Collins 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

167 Properties Found
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Fort Collins affordable homes: market snapshot, updated daily

167
Homes Listed
75
Avg. Days on Site
$293
Avg. $ / Sq.Ft.
$309,378
Med. List Price

Affordable homes in Fort Collins: the numbers this week

Cheap homes in Fort Collins are condos and townhomes: 92 percent of the 168 listings under $400,000 carry an HOA, median $371 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

168 homes

65 under $300,000, 28 under $250,000. Cheapest this week: $35,000.

Median

$324,000

1,072 square feet at $294 a foot.

The HOA line

$371 a month

Median dues on the 92 percent that have them.

Your money with CHFA

About $1,000

Assistance covers the $11,340 FHA down payment; the seller pays closing.

Fort Collins homes for sale under $400,000 by price, 168 this weekUnder $250,00028$250,000 to $300,00037$300,000 to $350,00051$350,000 to $400,00052Where the under-$400,000 homes are: Fort Collins ZIP codes with the mostZIP 80525 (Midtown and Foothills)57ZIP 80526 (west Fort Collins by Rolland Moore)45ZIP 80521 (the CSU west side)25ZIP 80524 (Old Town and Mountain View)25ZIP 80528 (Fossil Creek and the southeast)16Fort Collins homes under $400,000 by bedrooms1 bedroom202 bedrooms1013 bedrooms434+ bedrooms4What the median affordable Fort Collins home ($324,000, $371 HOA) costs a month, FHA at 7 percent, 3.5 percent downPrincipal and interest$2,080HOA dues$371Property taxes$149FHA mortgage insurance$143Homeowners insurance$108

The full payment on the median affordable Fort Collins home is about $2,851 a month, which a lender approves at about $114,000 a year of income at 30 percent, or $76,000 at 45 percent. Under $300,000 it is a one- or two-bedroom condo of about 1,072 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 Fort Collins

  • 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.
  • City of Fort Collins Home Buyer Assistance: a zero-interest deferred loan toward down payment and closing for buyers under 80 percent of area median income.
  • Larimer Home Ownership Program: the county's deferred second for the same income band.
  • HUD homes at $100 down: Fort Collins HUD homes, when one is listed.
  • Rent-to-own, priced honestly: Fort Collins rent-to-own homes and why assistance beats it.

Related Fort Collins searches

Fort Collins starter homes · Fort Collins condos · Fort Collins townhomes · Fort Collins 2-bedroom homes · Fort Collins 3-bedroom homes · Fort Collins fixer-uppers · Fort Collins foreclosures · Fort Collins homes that pass FHA · All Fort Collins homes for sale. Nearby: Loveland (83 under $400,000), Greeley (147 under $400,000), Windsor (17 under $400,000), Wellington (0 under $400,000). Statewide: affordable homes in Colorado, the Denver affordable homes guide.

Questions people ask about affordable homes in Fort Collins

Where are the cheapest homes for sale in Fort Collins?

In Midtown and Foothills, west Fort Collins by Rolland Moore and the CSU west side. ZIP 80525 alone holds 57 of the 168 Fort Collins homes under $400,000 this week, and the top three ZIPs hold 76 percent. The map above shows every one; the ZIP pages start with 80525.

What does $300,000 buy in Fort Collins today?

Under $300,000 it is a one- or two-bedroom condo of about 1,072 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. 65 Fort Collins homes are listed under $300,000 this week and 28 under $250,000.

How much is the monthly payment on an affordable Fort Collins home?

About $2,851 on the $324,000 median with an FHA loan at 7 percent and 3.5 percent down: $2,080 principal and interest, $371 HOA, $149 taxes, $143 mortgage insurance, $108 insurance. A lender approves that payment at about $114,000 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 Fort Collins?

About $1,000 with CHFA assistance: the 3 percent grant covers the FHA down payment ($11,340 on the median), the seller pays closing costs through the offer, and the earnest money comes back at closing. Without assistance it is about $16,840. The worked example is on $1,000 cash to close; the rules on CHFA down payment assistance.

Which down payment programs work in Fort Collins?

CHFA statewide (620 score, income under $178,920, 3 percent grant or 4 percent second mortgage). City of Fort Collins Home Buyer Assistance: a zero-interest deferred loan toward down payment and closing for buyers under 80 percent of area median income. Larimer Home Ownership Program: the county's deferred second for the same income band. Every program and its catch is on affordable homes in Colorado.

Are there HUD homes or foreclosures in Fort Collins?

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 Fort Collins HUD homes. Bank-owned and fixer listings are on Fort Collins foreclosures and Fort Collins fixer-uppers.

Is rent-to-own cheaper in Fort Collins?

No. A lease-option on a $320,000 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 Fort Collins rent-to-own homes.

The cheapest Fort Collins listings the morning they post

Text FORT COLLINS 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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