metroDPA Down Payment Assistance Program

What is metroDPA?

metroDPA is a down payment assistance* program for low and moderate-income individuals and families located around the Front Range area in Colorado.

They offer up to 6% of the loan amount to Colorado home buyers to put towards their down payment and closing costs.






Advantages of metroDPA

  • Up to 6% assistance as a 3-year forgivable, 2nd lien
  • Great low rates
  • Household income limit of $150,000
  • Government and Conventional, 30-year fixed rate loans
  • USDA assistance is in the form of a grant
  • No first-time homebuyer requirement
  • Large program area (List of eligible areas below)

General metroDPA Program Requirements

  • FHA, VA, USDA, and Conventional home loans
  • Qualified borrowers with a credit score above 640 (down to 620 in some cases)
  • Homebuyer education course required - HUD-approved or CHFA
  • Must be the principal residence
  • No purchase price limits (set by Agency guidelines)
  • Buying a home in an approved area


Eligible metroDPA Areas

Mortgage loans can only be made within the City and County of Denver and within the incorporated areas of Cities & Towns or the unincorporated areas of participating Counties (listed below):


metroDPA Approved Cities and Towns:

Arvada, Ault, Aurora, Bennett, Berthoud, Boulder, Brighton, Broomfield, Castle Rock, Centennial, Commerce City, Dacono, Deer Trail, Denver, Edgewater, Elizabeth, Englewood, Erie, Evans, Federal Heights, Firestone, Fort Collins, Frederick, Golden, Greeley, Johnstown, Keenesburg, Lakewood, Littleton, Lochbuie, Lone Tree, Longmont, Loveland, Mead, Northglenn, Parker, Platteville, Sheridan, Superior, Thornton, Timnath, Wellington, Westminster, Wheat Ridge, Windsor


metroDPA Approved Counties:

Adams County, Arapahoe County, Boulder County, Broomfield County, Denver County, Douglas County, Elbert County, Jefferson County, Larimer County


metroDPA Approved Unincorporated Counties:

Acequia, Acres Green, Adams City, Allenspark, Altona, Applewood, Aspen Park, Bark Ranch, Bellvue, Bergen Park, Bonanza Mountain Estates, Buckeye, Buffalo Creek, Byers, Campion, Canfield, Caribou, Castle Pines Village, Cherokee Park, Coal Creek Canyon, Columbine, Conifer, Crisman, Deckers, Drake, Dupont, Eastlake, Eldora, Eldorado Springs, Evergreen, Foxton, Franktown, Genesee, Glen Echo, Glen Haven, Glendale (Boulder), Glendevey, Gold Hill, Gooding, Grandview Estates, Greenland, Gunbarrel, Henderson, Hidden Lake, Highlands Ranch, Hygiene, Idledale, Indian Hills, Kelim, Ken Caryl Ranch, Kinikinik, Kittredge, Laporte, Lazy Acres, Leyden, Leyner, Liggett, Livermore, Louviers, Marshall, Masonville, Meridian, Meridian Village, Mountain Meadows, Niwot, Paragon Estates, Perry Park, Pine, Pine Brook Hill, Pinecliffe, Plastic, Red Feather Lakes, Roxborough Park, Rustic, Sedalia, Seven Hills, Shaffer's Crossing, Sierra Ridge, St. Ann Highlands, Stepping Stone, Sterling Ranch, Stonegate, Strasburg, Sugarloaf, Sunshine, Tall Timber, Ted's Place, The Pinery, Valmont, Watkins, Waverly, Westcreek, Wondervu


Security First Financial, a Division of PRMI, is an approved metroDPA Lender


*First lien interest rates may be higher when using a DPA second. Closing costs and fees may still apply.

metroDPA Social Equity Program

The metroDPA Social Equity Program offers potential homeowners $15,000 or $25,000 based on their income level and approval by the Department of Housing Stability.* The program that aims to increase homeownership in communities of color, and targets people who lived in or are descendants of families that lived in Denver’s redlined neighborhoods from 1938-2000.

metroDPA Social Equity Program Eligibility

  • Family makes up to $176,700/year
  • Minimum credit score of 640
  • Up to 5% in down payment assistance with no interest*
  • Forgivable loan - don't have to pay back in the homeowner stays in the home for more than 3 years

Applicants must do the following to use the metroDPA Social Equity program:

  • Find the location on the redlined mapping tool to identify it as an eligible property;
  • Complete a form and provide the necessary documentation to prove eligibility
  • If eligible, an approval # will be emailed to you
  • Meet credit and income qualifications to qualify for a metroDPA home loan
  • Income level determines the amount of assistance

The metroDPA Social Equity Qualifying Areas Map is available to confirm eligibility...


Click Here To Check Eligibility


Please contact us to request more information or to verify your eligibility.

*First lien interest rates may be higher when using a DPA second.

Request More Information ↓
A series of modern houses and apartment buildings on a suburban street in Denver, Colorado.

Customer Reviews

Overall Rating:

1499 Review(s)
Briana D June 25, 2024
The one thing I asked for was $2500 back to me to help pay for certain things I was told that was going to happen and it never did. Highly disappointed. Wasn’t informed until at the closing table.
Reply from The Nick Barta Team | Division President | Security First Financial: First off congratulations on your new home Briana. I'm sorry for the misunderstanding. The down payment assistance program requires that you have $1,000 into the transaction. Since your earnest money was only $1,000 you could not get any money back at closing. We used all of the sellers concessions and applied the rest to your loan balance so you ended up owing less. You were able to purchase a home for a total of $1,000 out of pocket but we can not refund you more than you put in originally. I hope you enjoy your new home.
Matthew S June 13, 2024
I found the process to be easy and straightforward. I was guided through the process at each step, and the service was always courteous and efficient. My wife and I want to thank Pete and Karissa for their help and guidance!
Reply from Nick Barta: Thank you Matthew and congratulations on your new home. Pete and Karissa are great and I will pass on your gratitude. We appreciate you letting us be part of your home buying journey.
Narhda G June 12, 2024
Made the entire process easy and stress free!
Reply from Nick Barta: Thank you Narhda. It was a pleasure. I hope you enjoy your new home.
Martha Robin H June 5, 2024
Nick was readily available to answer our questions and to keep us updated on our loan process. He is very thoughtful and considerate and a pleasure to work with!
Reply from The Nick Barta Team | Division President | Security First Financial: Thanks Robin. It is always nice to work with friends. Congratulations on your new place! I hope you and Mike enjoy it for many years to come.
Millicent Nana Adwoa M May 29, 2024
Nick and his team are very professional, they make you very comfortable throughout the entire process, answer your questions, not rush you when they ask for documents and they go above and beyond to provide you with the best. I will recommend Nick to anyone that wants to buy a home and I know they will feel the same way I feel right now when they are through with buying their home. Thank you so much Nick!
Reply from Nick Barta: Thank you Millicent for your kind words. It was our absolute pleasure. I am so happy for you and we all appreciate your trust in us. Congratulations on your new home!