First-Time Buyers
First-Time Homebuyer Guide — Colorado & Florida 2026
Down payment amounts, monthly payment estimates, loan limits, and state assistance programs — for every city we serve.
Colorado's CHFA down payment assistance and Florida DPA can significantly reduce the cash you need to buy your first home. Combine those with FHA (3.5% down), conventional (3–5% down), VA (0% down), or USDA (0% down where available) and most first-time buyers can get into a home for far less than they expect.
Pick your city below to see the median price, exact down payment amounts, monthly payment estimates, and the assistance programs available in that county.
Colorado First-Time Buyer Guides
110 cities
Alamosa, CO
Alamosa County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Almont, CO
Gunnison County
Median
$485,000
Min FHA Down
$17,000
CHFA DPA
Arvada, CO
Jefferson County
Median
$565,000
Min FHA Down
$19,800
CHFA DPA
Aspen, CO
Pitkin County
Median
$3,200,000
Min FHA Down
$112,000
CHFA DPA
Aurora, CO
Arapahoe County
Median
$445,000
Min FHA Down
$15,600
CHFA DPA
Avon, CO
Eagle County
Median
$985,000
Min FHA Down
$34,500
CHFA DPA
Bayfield, CO
La Plata County
Median
$485,000
Min FHA Down
$17,000
CHFA DPA
Beaver Creek, CO
Eagle County
Median
$3,500,000
Min FHA Down
$122,500
CHFA DPA
Boulder, CO
Boulder County
Median
$895,000
Min FHA Down
$31,300
CHFA DPA
Breckenridge, CO
Summit County
Median
$1,300,000
Min FHA Down
$45,500
CHFA DPA
Broomfield, CO
Broomfield County
Median
$595,000
Min FHA Down
$20,800
CHFA DPA
Buena Vista, CO
Chaffee County
Median
$555,000
Min FHA Down
$19,400
CHFA DPA
Canon City, CO
Fremont County
Median
$325,000
Min FHA Down
$11,400
CHFA DPA
Carbondale, CO
Garfield County
Median
$1,050,000
Min FHA Down
$36,800
CHFA DPA
Castle Rock, CO
Douglas County
Median
$665,000
Min FHA Down
$23,300
CHFA DPA
Cedaredge, CO
Delta County
Median
$355,000
Min FHA Down
$12,400
CHFA DPA
Centennial, CO
Arapahoe County
Median
$615,000
Min FHA Down
$21,500
CHFA DPA
Center, CO
Saguache County
Median
$245,000
Min FHA Down
$8,600
CHFA DPA
Collbran, CO
Mesa County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Colorado Springs, CO
El Paso County
Median
$465,000
Min FHA Down
$16,300
CHFA DPA
Commerce City, CO
Adams County
Median
$415,000
Min FHA Down
$14,500
CHFA DPA
Cortez, CO
Montezuma County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Craig, CO
Moffat County
Median
$265,000
Min FHA Down
$9,300
CHFA DPA
Crawford, CO
Delta County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Crested Butte, CO
Gunnison County
Median
$1,450,000
Min FHA Down
$50,800
CHFA DPA
Cripple Creek, CO
Teller County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Del Norte, CO
Rio Grande County
Median
$265,000
Min FHA Down
$9,300
CHFA DPA
Delta, CO
Delta County
Median
$365,000
Min FHA Down
$12,800
CHFA DPA
Denver, CO
Denver County
Median
$575,000
Min FHA Down
$20,100
CHFA DPA
Dillon, CO
Summit County
Median
$785,000
Min FHA Down
$27,500
CHFA DPA
Dolores, CO
Montezuma County
Median
$385,000
Min FHA Down
$13,500
CHFA DPA
Durango, CO
La Plata County
Median
$725,000
Min FHA Down
$25,400
CHFA DPA
Eagle, CO
Eagle County
Median
$685,000
Min FHA Down
$24,000
CHFA DPA
Edwards, CO
Eagle County
Median
$875,000
Min FHA Down
$30,600
CHFA DPA
Englewood, CO
Arapahoe County
Median
$495,000
Min FHA Down
$17,300
CHFA DPA
Estes Park, CO
Larimer County
Median
$695,000
Min FHA Down
$24,300
CHFA DPA
Florence, CO
Fremont County
Median
$295,000
Min FHA Down
$10,300
CHFA DPA
Fort Collins, CO
Larimer County
Median
$555,000
Min FHA Down
$19,400
CHFA DPA
Fraser, CO
Grand County
Median
$625,000
Min FHA Down
$21,900
CHFA DPA
Frisco, CO
Summit County
Median
$895,000
Min FHA Down
$31,300
CHFA DPA
Fruita, CO
Mesa County
Median
$465,000
Min FHA Down
$16,300
CHFA DPA
Glenwood Springs, CO
Garfield County
Median
$745,000
Min FHA Down
$26,100
CHFA DPA
Golden, CO
Jefferson County
Median
$775,000
Min FHA Down
$27,100
CHFA DPA
Gould, CO
Jackson County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Granby, CO
Grand County
Median
$585,000
Min FHA Down
$20,500
CHFA DPA
Grand Junction, CO
Mesa County
Median
$425,000
Min FHA Down
$14,900
CHFA DPA
Grand Lake, CO
Grand County
Median
$695,000
Min FHA Down
$24,300
CHFA DPA
Greeley, CO
Weld County
Median
$415,000
Min FHA Down
$14,500
CHFA DPA
Gunnison, CO
Gunnison County
Median
$565,000
Min FHA Down
$19,800
CHFA DPA
Gypsum, CO
Eagle County
Median
$545,000
Min FHA Down
$19,100
CHFA DPA
Hayden, CO
Routt County
Median
$385,000
Min FHA Down
$13,500
CHFA DPA
Highlands Ranch, CO
Douglas County
Median
$685,000
Min FHA Down
$24,000
CHFA DPA
Hot Sulphur Springs, CO
Grand County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Hotchkiss, CO
Delta County
Median
$385,000
Min FHA Down
$13,500
CHFA DPA
Ignacio, CO
La Plata County
Median
$325,000
Min FHA Down
$11,400
CHFA DPA
Keystone, CO
Summit County
Median
$895,000
Min FHA Down
$31,300
CHFA DPA
La Junta, CO
Otero County
Median
$215,000
Min FHA Down
$7,500
CHFA DPA
Lakewood, CO
Jefferson County
Median
$535,000
Min FHA Down
$18,700
CHFA DPA
Lamar, CO
Prowers County
Median
$225,000
Min FHA Down
$7,900
CHFA DPA
Leadville, CO
Lake County
Median
$465,000
Min FHA Down
$16,300
CHFA DPA
Littleton, CO
Arapahoe County
Median
$555,000
Min FHA Down
$19,400
CHFA DPA
Longmont, CO
Boulder County
Median
$555,000
Min FHA Down
$19,400
CHFA DPA
Loveland, CO
Larimer County
Median
$485,000
Min FHA Down
$17,000
CHFA DPA
Mancos, CO
Montezuma County
Median
$495,000
Min FHA Down
$17,300
CHFA DPA
Meeker, CO
Rio Blanco County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Monte Vista, CO
Rio Grande County
Median
$295,000
Min FHA Down
$10,300
CHFA DPA
Montrose, CO
Montrose County
Median
$465,000
Min FHA Down
$16,300
CHFA DPA
Mountain Village, CO
San Miguel County
Median
$1,800,000
Min FHA Down
$63,000
CHFA DPA
Naturita, CO
Montrose County
Median
$225,000
Min FHA Down
$7,900
CHFA DPA
New Castle, CO
Garfield County
Median
$465,000
Min FHA Down
$16,300
CHFA DPA
Nucla, CO
Montrose County
Median
$245,000
Min FHA Down
$8,600
CHFA DPA
Oak Creek, CO
Routt County
Median
$445,000
Min FHA Down
$15,600
CHFA DPA
Olathe, CO
Montrose County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Ouray, CO
Ouray County
Median
$695,000
Min FHA Down
$24,300
CHFA DPA
Pagosa Springs, CO
Archuleta County
Median
$575,000
Min FHA Down
$20,100
CHFA DPA
Palisade, CO
Mesa County
Median
$485,000
Min FHA Down
$17,000
CHFA DPA
Paonia, CO
Delta County
Median
$395,000
Min FHA Down
$13,800
CHFA DPA
Parachute, CO
Garfield County
Median
$345,000
Min FHA Down
$12,100
CHFA DPA
Parker, CO
Douglas County
Median
$645,000
Min FHA Down
$22,600
CHFA DPA
Pleasant View, CO
Montezuma County
Median
$265,000
Min FHA Down
$9,300
CHFA DPA
Poncha Springs, CO
Chaffee County
Median
$445,000
Min FHA Down
$15,600
CHFA DPA
Pueblo, CO
Pueblo County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Rangely, CO
Rio Blanco County
Median
$295,000
Min FHA Down
$10,300
CHFA DPA
Ridgway, CO
Ouray County
Median
$785,000
Min FHA Down
$27,500
CHFA DPA
Rifle, CO
Garfield County
Median
$415,000
Min FHA Down
$14,500
CHFA DPA
Saguache, CO
Saguache County
Median
$225,000
Min FHA Down
$7,900
CHFA DPA
Salida, CO
Chaffee County
Median
$595,000
Min FHA Down
$20,800
CHFA DPA
Silt, CO
Garfield County
Median
$385,000
Min FHA Down
$13,500
CHFA DPA
Silverthorne, CO
Summit County
Median
$775,000
Min FHA Down
$27,100
CHFA DPA
Silverton, CO
San Juan County
Median
$425,000
Min FHA Down
$14,900
CHFA DPA
Snowmass Village, CO
Pitkin County
Median
$2,100,000
Min FHA Down
$73,500
CHFA DPA
Steamboat Lake, CO
Routt County
Median
$425,000
Min FHA Down
$14,900
CHFA DPA
Steamboat Springs, CO
Routt County
Median
$1,150,000
Min FHA Down
$40,300
CHFA DPA
Steamboat Springs (rural), CO
Routt County
Median
$585,000
Min FHA Down
$20,500
CHFA DPA
Tabernash, CO
Grand County
Median
$545,000
Min FHA Down
$19,100
CHFA DPA
Telluride, CO
San Miguel County
Median
$2,400,000
Min FHA Down
$84,000
CHFA DPA
Telluride (rural), CO
San Miguel County
Median
$685,000
Min FHA Down
$24,000
CHFA DPA
Thornton, CO
Adams County
Median
$485,000
Min FHA Down
$17,000
CHFA DPA
Toponas, CO
Routt County
Median
$265,000
Min FHA Down
$9,300
CHFA DPA
Towaoc, CO
Montezuma County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Trinidad, CO
Las Animas County
Median
$265,000
Min FHA Down
$9,300
CHFA DPA
Vail, CO
Eagle County
Median
$2,100,000
Min FHA Down
$73,500
CHFA DPA
Victor, CO
Teller County
Median
$225,000
Min FHA Down
$7,900
CHFA DPA
Walden, CO
Jackson County
Median
$295,000
Min FHA Down
$10,300
CHFA DPA
Walsenburg, CO
Huerfano County
Median
$245,000
Min FHA Down
$8,600
CHFA DPA
Westminster, CO
Jefferson County
Median
$535,000
Min FHA Down
$18,700
CHFA DPA
Wheat Ridge, CO
Jefferson County
Median
$525,000
Min FHA Down
$18,400
CHFA DPA
Winter Park, CO
Grand County
Median
$785,000
Min FHA Down
$27,500
CHFA DPA
Woodland Park, CO
Teller County
Median
$495,000
Min FHA Down
$17,300
CHFA DPA
Yampa, CO
Routt County
Median
$285,000
Min FHA Down
$10,000
CHFA DPA
Florida First-Time Buyer Guides
62 cities
30A / Santa Rosa Beach, FL
Walton County
Median
$1,050,000
Min FHA Down
$36,800
Florida DPA
Big Pine Key, FL
Monroe County
Median
$625,000
Min FHA Down
$21,900
Florida DPA
Boca Raton, FL
Palm Beach County
Median
$685,000
Min FHA Down
$24,000
Florida DPA
Bonita Springs, FL
Lee County
Median
$585,000
Min FHA Down
$20,500
Florida DPA
Bradenton, FL
Manatee County
Median
$445,000
Min FHA Down
$15,600
Florida DPA
Brandon, FL
Hillsborough County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Callahan, FL
Nassau County
Median
$295,000
Min FHA Down
$10,300
Florida DPA
Cape Coral, FL
Lee County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Celebration, FL
Osceola County
Median
$465,000
Min FHA Down
$16,300
Florida DPA
Clearwater, FL
Pinellas County
Median
$445,000
Min FHA Down
$15,600
Florida DPA
Coral Gables, FL
Miami-Dade County
Median
$985,000
Min FHA Down
$34,500
Florida DPA
Crestview, FL
Okaloosa County
Median
$365,000
Min FHA Down
$12,800
Florida DPA
DeFuniak Springs, FL
Walton County
Median
$285,000
Min FHA Down
$10,000
Florida DPA
Destin, FL
Okaloosa County
Median
$685,000
Min FHA Down
$24,000
Florida DPA
Dunedin, FL
Pinellas County
Median
$545,000
Min FHA Down
$19,100
Florida DPA
Englewood, FL
Sarasota County
Median
$445,000
Min FHA Down
$15,600
Florida DPA
Estero, FL
Lee County
Median
$545,000
Min FHA Down
$19,100
Florida DPA
Fernandina Beach, FL
Nassau County
Median
$685,000
Min FHA Down
$24,000
Florida DPA
Fort Lauderdale, FL
Broward County
Median
$565,000
Min FHA Down
$19,800
Florida DPA
Fort Myers, FL
Lee County
Median
$365,000
Min FHA Down
$12,800
Florida DPA
Fort Myers Beach, FL
Lee County
Median
$685,000
Min FHA Down
$24,000
Florida DPA
Fort Walton Beach, FL
Okaloosa County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Golden Gate, FL
Collier County
Median
$445,000
Min FHA Down
$15,600
Florida DPA
Gulf Breeze, FL
Santa Rosa County
Median
$485,000
Min FHA Down
$17,000
Florida DPA
Hollywood, FL
Broward County
Median
$495,000
Min FHA Down
$17,300
Florida DPA
Homestead, FL
Miami-Dade County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Immokalee, FL
Collier County
Median
$285,000
Min FHA Down
$10,000
Florida DPA
Islamorada, FL
Monroe County
Median
$985,000
Min FHA Down
$34,500
Florida DPA
Jacksonville, FL
Duval County
Median
$315,000
Min FHA Down
$11,000
Florida DPA
Key West, FL
Monroe County
Median
$895,000
Min FHA Down
$31,300
Florida DPA
Kissimmee, FL
Osceola County
Median
$365,000
Min FHA Down
$12,800
Florida DPA
Lake Nona, FL
Orange County
Median
$585,000
Min FHA Down
$20,500
Florida DPA
Lakewood Ranch, FL
Manatee County
Median
$665,000
Min FHA Down
$23,300
Florida DPA
Largo, FL
Pinellas County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Lehigh Acres, FL
Lee County
Median
$345,000
Min FHA Down
$12,100
Florida DPA
Lynn Haven, FL
Bay County
Median
$345,000
Min FHA Down
$12,100
Florida DPA
Marathon, FL
Monroe County
Median
$745,000
Min FHA Down
$26,100
Florida DPA
Marco Island, FL
Collier County
Median
$895,000
Min FHA Down
$31,300
Florida DPA
Miami, FL
Miami-Dade County
Median
$625,000
Min FHA Down
$21,900
Florida DPA
Miami Beach, FL
Miami-Dade County
Median
$895,000
Min FHA Down
$31,300
Florida DPA
Milton, FL
Santa Rosa County
Median
$325,000
Min FHA Down
$11,400
Florida DPA
Miramar Beach, FL
Walton County
Median
$785,000
Min FHA Down
$27,500
Florida DPA
Naples, FL
Collier County
Median
$795,000
Min FHA Down
$27,800
Florida DPA
Niceville, FL
Okaloosa County
Median
$485,000
Min FHA Down
$17,000
Florida DPA
North Port, FL
Sarasota County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Orlando, FL
Orange County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Palm Beach, FL
Palm Beach County
Median
$4,500,000
Min FHA Down
$157,500
Florida DPA
Panama City, FL
Bay County
Median
$295,000
Min FHA Down
$10,300
Florida DPA
Panama City Beach, FL
Bay County
Median
$485,000
Min FHA Down
$17,000
Florida DPA
Pensacola, FL
Escambia County
Median
$295,000
Min FHA Down
$10,300
Florida DPA
Pompano Beach, FL
Broward County
Median
$465,000
Min FHA Down
$16,300
Florida DPA
Sanibel, FL
Lee County
Median
$985,000
Min FHA Down
$34,500
Florida DPA
Sarasota, FL
Sarasota County
Median
$525,000
Min FHA Down
$18,400
Florida DPA
St. Petersburg, FL
Pinellas County
Median
$465,000
Min FHA Down
$16,300
Florida DPA
Tampa, FL
Hillsborough County
Median
$415,000
Min FHA Down
$14,500
Florida DPA
Tarpon Springs, FL
Pinellas County
Median
$445,000
Min FHA Down
$15,600
Florida DPA
Venice, FL
Sarasota County
Median
$485,000
Min FHA Down
$17,000
Florida DPA
Wesley Chapel, FL
Pasco County
Median
$465,000
Min FHA Down
$16,300
Florida DPA
West Palm Beach, FL
Palm Beach County
Median
$585,000
Min FHA Down
$20,500
Florida DPA
Winter Park, FL
Orange County
Median
$685,000
Min FHA Down
$24,000
Florida DPA
Yulee, FL
Nassau County
Median
$385,000
Min FHA Down
$13,500
Florida DPA
Zephyrhills, FL
Pasco County
Median
$345,000
Min FHA Down
$12,100
Florida DPA
Recommended loan programs
The three paths most first-time buyers we work with actually use.
FHA loans
3.5% down with credit from 580 — the most flexible option for thin credit or higher debt.
Learn more →USDA loans
0% down in eligible rural and small-town areas, with no monthly mortgage insurance.
Learn more →Down payment assistance
CHFA and Florida DPA seconds and grants that can cover most of your cash to close.
Learn more →