Home Ownership, Repair, Maintenance & Improvement

Home Ownership

Buying a Home

Homebuyer Education and Counseling

A well-informed homebuyer can become a successful homeowner. The City of Thornton collaborates with non-profit organizations to provide free homeownership workshops in Thornton throughout the year. For course details and registration information, contact the organizations listed on the "Upcoming Events on the Homepage" or click on the "CHFA Homebuyer Education" or "Colorado Housing Connects" links below.

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Home Finance and Down Payment Assistance

Home finance and down payment assistance programs offer a variety of solutions for buyers purchasing homes in Thornton. All programs require participants to attend a free homebuyer workshop (see below) and may require working with a qualified lender. The organizations shown below have experienced staff and lending partners ready to help:

Colorado Housing and Finance Authority (CHFA): CHFA offers a variety of loan products and options for low- and moderate-income homebuyers, including mortgages and down payments, and closing cost assistance. CHFA also provides a Mortgage Credit Certificate program, which allows qualified borrowers to deduct 20% of mortgage interest as a direct tax credit against federal income tax liability. The remaining 80% of mortgage interest is still a deduction. CHFA also provides mortgage delinquency and default resolution counseling for those who are concerned about foreclosure.  Click on the "CHFA" link above or call 303- 297-7376 for more information.

CHFA Homebuyer Education

Community Resources and Housing Development Corporation (CRHDC): CRHDC offers different mortgage products to finance a home that can assist very low-income buyers to moderate-income buyers. Their down payment or closing costs assistance loan can assist with $3,000 - $10,000. For more information click on the "CRHDC" link above or call 303-428-1448.

Colorado Housing Assistance Corporation (CHAC): CHAC offers down payment and closing cost assistance loans up to $5,000 for low- and moderate-income households. Applicants either must be first-time homebuyers or not have owned a home in the last three years.  Click on the "CHAC" link on the right side of this page or call 303- 572-9445 for more information.

metroDPA: This program provides down payment assistance through a no-interest second loan that is forgivable after 36 months.  The metroDPA program is available to households that earn less than $139,200 a year, qualify for a mortgage, have a minimum FICO score of 640, and a maximum debt-to-income ratio of 45.  Homebuyers must complete a Department of Housing and Urban Development (HUD)-approved homebuyer education workshop and must work with a qualified lender. To learn more about the program click on the "metroDPA program" link above.

Financing for People with Disabilities: People with permanent disabilities or parents of a child with a permanent disability may qualify for special financing offered by CHAC and CHFA.

Additional Resources

Foreclosure Assistance 

Public Service Announcements: View helpful information to avoid foreclosure and foreclosure scams from the U.S. Department of Housing and Urban Development (HUD) and the Federal Deposit Insurance Corporation (FDIC).

Adams County Public Trustee: The Adams County Public Trustee's Office processes foreclosures in Adams County. The website provides information regarding individual foreclosure cases, foreclosure auctions, as well as the policy for HOA lien redemptions and cures. The Adams County Public Trustee office can also help with purchasing a foreclosed home. If you are interested in learning more about the purchase of a foreclosed home, please visit the Adams County website.

Home Repair, Maintenance, & Improvement