Larimer Home Ownership Program

Larimer Home Ownership Program (LHoP) down payment assistance program is available to households earning 80% or less of the Area Median Income. See income chart.

This program (LHoP) is a low interest loan. The Maximum loan amount is $10,000 with an interest rate of 2% with the term generally being 10 years. If your household income is 50% or less of the Area Median Income, you might have the option of deferring payments until the home is sold.

This program can be used by any qualified buyer purchasing a home in Larimer County, including Estes Park. The cost of the home cannot exceed FHA limits. The Estes Valley Workforce Housing Assistance (EVWHA) and LHoP programs can both be used with ANY of the homeownership programs of the Estes Park Housing Authority, provided you qualify.

The application process is very simple. You can download the application or call 970-635-5931 to have one mailed, faxed, or emailed to you. Fill it out and provide proof of income, family size, pre-qualification information from your lender, and the $60 application fee to the Larimer Home Ownership Program located at 375 W. 37th Street, Suite 200, Loveland, CO 80538. You must attend an acceptable first time homebuyer training class, such as the one provided by Neighbor to Neighbor (970-484-7498), prior to your closing as a requirement of the program.

Additional requirements of this program can be found in the application. Feel free to call the Estes Park Housing Authority at 970-577-3730 for additional information.