🥷 Free Colorado Homebuyer Tool

Home Buyer Savings Ninja

Find Colorado homebuyer programs, financing options, and potential savings you may qualify for in just a few minutes. This is a free preliminary eligibility check, not a loan application, and it will not affect your credit score.

Answer a few questions about your home-buying plans, budget, and location. We will identify programs worth exploring and estimate your potential Home Offer Ninja Buyer Rebate.

✓ No credit check ✓ No SSN required ✓ Free, no obligation ✓ About 4 minutes

How the Savings Ninja works

Three steps. One question at a time. Nothing you answer is shared with a lender unless you ask us to.

1

Tell us about your plans

Where you want to buy, roughly what you want to spend, and a few details about your household. No account numbers, no Social Security number, no credit pull.

2

We screen the programs

We check your answers against Colorado down payment assistance programs, grants, and loan options, using each program's own published criteria and official source.

3

Get your action plan

You get a personalized list of programs worth exploring, your estimated 1% Home Offer Ninja rebate, and a clear next step for each one.

The Home Offer Ninja 1% Buyer Rebate

1% of the home's purchase price. Not 1% of the commission.
Eligible Colorado buyers who complete a qualifying purchase with Home Offer Ninja receive a credit equal to 1% of the full price they pay for the house at closing. On a $500,000 home that is $5,000, not a few hundred dollars. It stacks on top of any assistance program you use.

$400,000 purchase price
$4,000
estimated rebate
$500,000 purchase price
$5,000
estimated rebate
$600,000 purchase price
$6,000
estimated rebate

The credit may be used toward eligible closing costs, prepaid items, a permitted interest-rate buydown, or a down-payment-related expense, subject to lender approval, transaction structure, and applicable rules. This is not a cash payment before closing. The final rebate amount and permitted use must be disclosed, approved, and reflected on the closing documents.

What we screen for

Statewide, federal, and local Colorado programs, each checked against its official source.

🏔️ Colorado statewide

CHFA first mortgage programs, the CHFA Down Payment Assistance Grant and Second Mortgage Loan, CHFA FirstGeneration, and CHFA Schools To Home for public school employees.

🇺🇸 Federal loan options

FHA, VA, USDA Rural Development, conventional low-down-payment loans, HUD Good Neighbor Next Door, and HUD-approved counseling.

📍 Local Colorado programs

metroDPA across the Front Range, Pikes Peak DPA in El Paso County, City of Aurora assistance, Boulder County and City of Boulder programs, Douglas County shared equity, and HomesFund in southwest Colorado.

🎖️ Special eligibility

Veterans and service members, teachers and school staff, first responders, healthcare workers, first-generation buyers, buyers with a disability, and rural buyers.

Straight answers before you start

Will this affect my credit score?

No. We do not pull your credit and no inquiry occurs. We ask for an estimated credit range only so we can narrow down which programs are worth exploring.

Is this a loan application or preapproval?

No. This tool provides preliminary information only. Only a licensed lender or the program administrator can approve you for financing or assistance.

What information do you never ask for?

Social Security numbers, government ID numbers, bank account numbers, and mortgage account numbers. We do not need them and we do not want them.

Question 1
0%

Here are your Colorado homebuying savings opportunities.

A preliminary look at what may be worth exploring, based on what you told us.

Your results are ready. We had trouble sending your request, so please use the Schedule Intro Call button or contact Home Offer Ninja directly.

Home Offer Ninja 1% Buyer Rebate

Eligible Colorado buyers who complete a qualifying purchase transaction with Home Offer Ninja can receive a credit equal to 1% of the final home purchase price at closing.

Your estimated rebate
$0
Based on your estimated purchase price
1% of the home's purchase price. Not 1% of the commission.
✕ 1% of the agent's commission, which would be a few hundred dollars
✓ 1% of the full price you pay for the house
Buy a $500,000 home and you get $5,000 back at closing.

Estimated Home Offer Ninja Rebate = Estimated Purchase Price × 1%

Important rebate terms
  • The credit may be used toward eligible closing costs, prepaid items, a permitted interest-rate buydown, or a down-payment-related expense, subject to lender approval, transaction structure, and applicable rules.
  • This is not a cash payment before closing.
  • The final rebate amount and permitted use must be disclosed, approved, and reflected on the closing documents.
  • Eligibility for the rebate must be confirmed by Home Offer Ninja and your lender. It is a Home Offer Ninja benefit subject to transaction, lender, and program verification.
Important disclaimer. This tool provides general educational information and preliminary program matching only. It is not a loan application, preapproval, lending decision, legal advice, tax advice, or guarantee of assistance. Program funding, terms, geographic availability, income limits, credit standards, and lender requirements can change. Confirm all details with the relevant program administrator, participating lender, and your Home Offer Ninja representative.

Home Offer Ninja is a licensed Colorado real estate brokerage. We are not a lender, a mortgage broker, a tax advisor, or a program administrator. Eligibility determinations are made solely by those parties.
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Thanks, we have your information.

A Home Offer Ninja specialist will reach out using the contact method and time you selected to walk through your programs, your 1% rebate, and the best next steps.

In the meantime, your personalized results are still available.