Northern Colorado Homebuyers

DPA + Concessions Calculator

Estimate what you'd really need to bring to closing when down payment assistance and seller concessions are on the table.

Step 1 · Your situation
$400,000
$
$90,000
$

The minimum to get in the door is $1,000. Putting more in unlocks a higher seller-concession cap — see what each level unlocks.

3.0%

FHA allows up to 6% of the price. Drag to model what you'd ask the seller to cover.

Step 2 · Your estimate
Estimate based on the inputs you provided. Actual program eligibility, loan amounts, interest rates, mortgage insurance, taxes, and required borrower contributions will vary.
Step 3 · Connect with Charles

Send your info and Charles will follow up to walk you through the details on a quick call — which programs actually fit your situation, your estimated monthly payment, and what concessions could realistically cover.

Charles Smith, NMLS #2606849. Elite Financial Team Loans. Equal Housing Lender. This calculator provides estimates for educational purposes only and does not constitute pre-qualification, pre-approval, or a commitment to lend. Final loan terms and program eligibility are subject to a complete loan application, satisfactory credit review, income and asset verification, property appraisal, and underwriting approval. CHFA programs require a minimum $1,000 borrower contribution (own funds or eligible gift). Down payment assistance amounts shown are maximum program limits — actual amounts received depend on borrower qualification and program availability at time of closing. Interest rates and APRs are not displayed because they change frequently and depend on individual borrower circumstances; rates quoted require a current lock. Programs subject to change or discontinuance without notice.
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