How much do I need for a down payment?

It depends on the loan program. Some loans allow a small down payment, and eligible veterans or rural buyers may qualify for programs with none. A lender can confirm what you qualify for.

Are there down payment assistance programs in Colorado?

Yes, Colorado has state and local assistance programs for qualifying buyers. Allison can introduce you to lenders who work with them so you can see if you're eligible.

What costs should I expect besides the down payment?

Plan for closing costs, inspections, an appraisal and your earnest money deposit. Rural homes may also need well and septic inspections. Allison will give you a simple checklist.

Historic downtown main street with fall colors in Southwest Colorado

First-time buyers

Your first home, made simple.

No question is too basic. Allison explains every step clearly and answers fast, so you always know what's next.

The roadmap

Five steps from renting to owning.

01
Get pre-approved
Know your budget and monthly payment before you fall in love with a home — start on the pre-approval page.
02
Pick your must-haves
Allison helps you sort needs from nice-to-haves and picks towns that fit.
03
Tour & make an offer
See homes in person or by video, then write a strong, protected offer.
04
Inspect & appraise
Allison negotiates repairs and keeps your loan on track — with updates along the way.
05
Close & get keys
Sign, fund and move in — with a clear timeline the whole way.

Get pre-approved first

Know your budget and make stronger offers. Start with Tayton Capital, Allison's recommended lender.

Get pre-approved

FAQ

Your first home, made simple.

Five steps from renting to owning.

Get pre-approved

Pick your must-haves

Tour & make an offer

Inspect & appraise

Close & get keys

First-time buyer questions

Ready to make a move in Southwest Colorado?