You don't always need 20% down. Depending on your situation, qualified buyers may have access to programs designed to reduce upfront cash needed at closing.
Down payment assistance can take different forms — grants, second mortgages, or forgivable loans, depending on the program and your qualifications.
Eligibility often depends on income, purchase price, property location and whether you're a first-time buyer. Colorado Housing and Finance Authority (CHFA) programs and city-specific options are common starting points, alongside lender- and community-based programs. The right fit depends on your full financial picture, not just one number.