Low Down Payment Programs

Shopping for a mortgage? We'll be glad to answer your questions about your mortgage needs! Call us at (303) 931-3239. Ready to begin? Apply Here.
Home Loan Mortgage is excited to offer low down payment programs!  We currently offer a 1% Down Conventional program and a 1.50% Down FHA program!

Conventional Program:
1% Down with Equity Boost Loan Program!  Purchase your home with as little as 1% down!




  • You put down 1%, your lender contributes 2%* (up to $5,000), giving you 3% equity at closing
  • Great low rates
  • Conventional 30-year fixed program
  • Available with no monthly Mortgage Insurance
Borrower's must meet the following:
*2% lender contribution may only be applied to down payment

This program is for purchase of primary residences only.

FHA Program:
FHA Advantage Program!  Take advantage of FHA's relaxed guidelines with only 1.50% down!
  • You put 1.50% down, the lender contributes 2%, giving you 3.50% equity at closing
  • 1.50% down payment can come from a gift
  • The 2% grant is NOT a loan and does not need to be repaid
  • Credit scores as low as 580
  • Debt to income up to 48.99%
Borrower's must fall into one of the following categories:
  • First-time home buyer (i.e. no home ownership in the previous 3 years)
  • First responder (police officer, firefighter, public safety officer, paramedic, Emergency medical technician (EMT) or similar;
  • Educator;
  • Medical personnel (nurse, doctor, phlebotomists, health ambassador, or hospital, American Red Cross worker, or similar);
  • Civil servant in a Federal, state or local municipality;
  • Military personnel; or
  • Borrower’s income (or, in the event of multiple Borrowers on a loan application,
  • their income collectively) is equal to or less than 140% of the state or county median income
This program is for the purchase of a primary residence only.

We also have Down Payment Assistance programs!  There's no reason to wait - call today and get the home you've always wanted!

Have questions about mortgage loans? Call us at (303) 931-3239 or e-mail us at t@hlmcolorado.com.  We answer questions about different types of loans every day.

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