CHFA SmartStep Plus
CHFA SmartStep Plus is a 0% silent 2nd from CHFA. Available statewide in Colorado. Up to $250,004 toward a home purchase. First-time buyer status is not required. Income limit: $174,440 statewide.
Up to $250,004
Listed as open as of May 2026
Available statewide in Colorado.
| First-time buyer | Not required |
|---|---|
| Income limit | $174,440 statewide |
| Minimum credit score | 620 |
| Maximum DTI | 50% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | Statewide |
| Property types | SFR, condo, PUD |
| Occupancy | Owner-occupied primary |
| Eligible loan products | Conv |
| Sales price cap | County |
| Repayment | 0% deferred |
| Stacking | Conv only |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: CHFA · program details at the provider’s site.
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