First time home buyer Denver: a practical guide for 2026
Quick answer: You don’t need 20% down to buy in Denver. FHA loans require 3.5% down ($15,750 on a $450,000 home), conventional loans require 3%. Colorado’s CHFA programs offer up to $25,000 in assistance — some of it a true grant, never repaid. Starter home prices dropped 6% in early 2026, the biggest decline of…