CHFA eligibility
CHFA programs use income limits to decide who qualifies. The limit is not a single number; it varies by county and household size, and CHFA updates the figures over time. Here is how the limits actually work, why a purchase price limit usually applies too, and how to check where you stand without guessing.
How it works
Limits are tied to where you are buying, so the figure that applies in El Paso County and the Colorado Springs area can differ from other parts of the state. There is no single statewide number.
Many CHFA programs allow a higher income limit for larger households. The number that matters is the one for your county and your household, not a general figure you read somewhere.
CHFA reviews and updates its limits periodically. Always confirm the current figure before you count yourself in or out. The official numbers live at chfainfo.com.
The other half
Where we come in
Common questions
They are the maximum household income allowed to qualify for a given CHFA program. CHFA sets them, they vary by county and household size, and they are updated over time. Current figures are published at chfainfo.com.
Yes. Limits are set on a county basis, so the figure for El Paso County or the Colorado Springs area can differ from elsewhere in the state. Many programs also adjust the limit for household size.
Programs generally look at qualifying household income for the people on the loan, and the exact treatment depends on the program. The simplest way to know is to walk through your situation with a lender who works with CHFA.
If your income is above the limit for one CHFA program, a different program may still fit, or a straightforward low-down loan without the program requirements may be the better path. We compare both honestly.
Yes. CHFA programs typically apply a maximum purchase price in addition to the income limit, and both must be met. Price limits are also set by CHFA and change over time.
Keep exploring
The plain-English guide to how CHFA programs are put together in Colorado.
Learn moreHow CHFA assistance toward your down payment and closing costs is structured.
Learn moreWork with a local Colorado Springs broker who offers CHFA's programs.
Learn moreThis page is general education, not a commitment to lend, financial advice, or a guarantee of program eligibility, assistance amount, rate, or term. CHFA income limits, price limits, and program rules are set by the Colorado Housing and Finance Authority and change over time; confirm current details at chfainfo.com. All loans subject to credit approval; not all applicants will qualify.
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Tell us your county and rough household income and we will tell you honestly whether a CHFA program is open to you, with no pressure and no application required to ask.
