{
  "program": "CHFA Schools to Home",
  "administrator": "Colorado Housing and Finance Authority (CHFA)",
  "launched": "2026-07",
  "source": "https://www.chfainfo.com/homeownership/chfa-schools-to-home-program",
  "assistance": {
    "form": "deferred second mortgage",
    "maxPercentOfFirstMortgage": 25,
    "monthlyPayment": 0,
    "interestRate": 0,
    "repayment": "due on sale, refinance, payoff of the first mortgage, or when the home stops being the primary residence, plus a share of appreciation paid to the Public School Permanent Fund"
  },
  "requirements": {
    "maxHouseholdIncomeUSD": 178920,
    "minCreditScore": 620,
    "firstMortgage": "Fannie Mae conventional 30-year fixed",
    "occupancy": "primary residence",
    "firstTimeBuyerRequired": false,
    "purchasePriceLimit": null,
    "homebuyerEducation": "CHFA homebuyer education plus the program financial-commitment course"
  },
  "eligibleEmployers": [
    "Colorado public preK-12 school",
    "school district",
    "charter school",
    "institute charter school",
    "board of cooperative educational services (BOCES)",
    "innovation zone"
  ],
  "eligibilityQuote": "CHFA Schools To Home is for any individual employed by a preK-12 Colorado public school, school district, charter school, institute charter school, board of cooperative educational services, or innovation zone, provided they are classified as a full-time employee by their employer.",
  "employerVerification": "Participating lenders check the employer against the Colorado Department of Education's schools list, where the school type must read Public.",
  "privateSchoolsEligible": false,
  "publisher": {
    "name": "Speak Straight Mortgage",
    "nmls": "2426226",
    "role": "CHFA Participating Lender",
    "url": "https://speakstraightmortgage.com"
  },
  "districtPages": [
    {
      "title": "CHFA Schools to Home for Boulder Valley School District Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-boulder-valley-schools"
    },
    {
      "title": "CHFA Schools to Home for Pueblo City Schools (D60) Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-pueblo-city-schools"
    },
    {
      "title": "CHFA Schools to Home for Greeley-Evans District 6 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-greeley-evans-district-6"
    },
    {
      "title": "CHFA Schools to Home for Poudre School District Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-poudre-school-district"
    },
    {
      "title": "CHFA Schools to Home for Colorado BOCES Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-boces-colorado"
    },
    {
      "title": "CHFA Schools to Home for Colorado Charter School Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-colorado-charter-schools"
    },
    {
      "title": "CHFA Schools to Home for Mapleton Public Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-mapleton-public-schools"
    },
    {
      "title": "CHFA Schools to Home for Adams 14 Commerce City Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-adams-14-commerce-city"
    },
    {
      "title": "CHFA Schools to Home for Brighton 27J Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-brighton-27j-schools"
    },
    {
      "title": "CHFA Schools to Home for Littleton Public Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-littleton-public-schools"
    },
    {
      "title": "CHFA Schools to Home for Douglas County Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-douglas-county-schools"
    },
    {
      "title": "CHFA Schools to Home for Denver Public Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-denver-public-schools"
    },
    {
      "title": "CHFA Schools to Home for Adams 12 Five Star Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-adams-12-five-star"
    },
    {
      "title": "CHFA Schools to Home for Jeffco Public Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-jeffco-public-schools"
    },
    {
      "title": "CHFA Schools to Home for Cherry Creek Schools Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-cherry-creek-schools"
    },
    {
      "title": "CHFA Schools to Home for Aurora Public Schools (28J) Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-aurora-public-schools-28j"
    },
    {
      "title": "CHFA Schools to Home for Lewis-Palmer District 38 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-lewis-palmer-district-38"
    },
    {
      "title": "CHFA Schools to Home for Manitou Springs District 14 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-manitou-springs-district-14"
    },
    {
      "title": "CHFA Schools to Home for Cheyenne Mountain District 12 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-cheyenne-mountain-district-12"
    },
    {
      "title": "CHFA Schools to Home for Fountain-Fort Carson District 8 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-fountain-fort-carson-district-8"
    },
    {
      "title": "CHFA Schools to Home for Widefield District 3 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-widefield-district-3"
    },
    {
      "title": "CHFA Schools to Home for Harrison District 2 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-harrison-district-2"
    },
    {
      "title": "CHFA Schools to Home for Falcon District 49 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-falcon-district-49"
    },
    {
      "title": "CHFA Schools to Home for Academy District 20 Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-academy-district-20"
    },
    {
      "title": "CHFA Schools to Home for District 11 Employees in Colorado Springs",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-district-11-colorado-springs"
    },
    {
      "title": "CHFA Schools to Home in Aurora: Down Payment Help for APS, Cherry Creek & Aurora School Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-aurora"
    },
    {
      "title": "CHFA Schools to Home in Colorado Springs: Down Payment Help for D11, Academy 20 & El Paso County School Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-colorado-springs"
    },
    {
      "title": "CHFA Schools to Home: Down Payment Help for Colorado School Employees",
      "url": "https://speakstraightmortgage.com/blog/chfa-schools-to-home-colorado-school-employees"
    }
  ],
  "updated": "2026-08-17"
}