Why does down payment vary across Colorado?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority CO

Estimated owner-finance down payment by city in Colorado.

Down payments scale with home prices but flex by financing type. This ranks Colorado cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

Colorado ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Littleton	$94,700	4	View →
2	Castle Rock	$94,200	4	View →
3	Englewood	$91,100	8	View →
4	Parker	$90,500	8	View →
5	Lone Tree	$90,800	8	View →
6	Boulder	$90,000	9	View →
7	Louisville	$90,100	9	View →
8	Golden	$89,000	10	View →
9	Arvada	$88,300	11	View →
10	Monument	$87,000	12	View →
11	Broomfield	$86,200	13	View →
12	Evergreen	$86,600	13	View →
13	Aspen	$85,100	14	View →
14	Longmont	$84,600	15	View →
15	Erie	$83,200	16	View →
16	Edwards	$84,000	16	View →
17	Thornton	$82,300	17	View →
18	Conifer	$82,800	17	View →
19	Lafayette	$82,100	18	View →
20	Morrison	$82,200	18	View →
21	Fort Collins	$78,800	21	View →
22	Colorado Springs	$78,500	22	View →
23	Brighton	$78,500	22	View →
24	Elizabeth	$77,900	22	View →
25	Gypsum	$78,400	22	View →
26	Denver	$76,300	24	View →
27	Peyton	$76,300	24	View →
28	Windsor	$76,300	24	View →
29	Berthoud	$75,400	25	View →
30	Steamboat Springs	$74,400	26	View →
31	Grand Junction	$73,300	27	View →
32	Henderson	$70,700	30	View →
33	Eaton	$70,900	30	View →
34	Aurora	$70,400	31	View →
35	Carbondale	$69,100	32	View →
36	Johnstown	$69,200	32	View →
37	Durango	$68,400	33	View →
38	Woodland Park	$66,600	35	View →
39	Wellington	$66,500	35	View →
40	Estes Park	$66,400	35	View →
41	Breckenridge	$65,900	36	View →
42	Loveland	$65,000	37	View →
43	Glenwood Springs	$63,700	38	View →
44	Dillon	$64,200	38	View →
45	Bailey	$62,900	39	View →
46	Westminster	$62,300	40	View →
47	Commerce City	$61,200	41	View →
48	Fountain	$60,200	42	View →
49	Pagosa Springs	$60,400	42	View →
50	Greeley	$58,100	44	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Colorado?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.