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How to Apply

How to Apply

Step One: Attend Orientation

Orientation is the first step in your process so that you can decide if this program is the right fit for you. This class will help you understand the eligibility requirements, application process, and your rights and responsibilities as an owner in the program.

A one-hour class is offered in person once per month (, or a 30-minute version is always available online (

Step Two: Contact a Lender

Choose a lender, submit their required documents, and receive mortgage loan pre-approval. The city will require your pre-approval letter and a copy of your signed loan application as part of your program application. A list of lenders is on this website, though you are not limited to lenders on this list. If you choose to work with a different lender then please direct them to the "For Lenders" section of our website.

Step Three: Submit an Application

Complete the Boulder County Homeownership Programs Common Application. Be sure to fill out the application completely. You will need to attach all required documentation requested in the application.  Required documentation must be submitted within 30 days of the original application. The link to the application link is on the right side of this page.

For the purpose of lottery application deadlines, we will not consider an application complete until all documents listed in the application have been received.

The application that you submit enables you to apply to all of the following homeownership programs: City of Boulder, Thistle Communities, and Boulder County/Longmont Down Payment Assistance Program. We will share your application only if you check the boxes requesting us to do so.

Step Four: Attend the Homebuyer Education Class

The Homebuyer Education class must be completed by all buyers before going under contract on a home. The best time to take this class is while you are looking at homes. The class will provide tons of information about the home purchase and closing process.

The "Required Classes" link to the right has class schedules, locations, times, and registration information. Most buyers take the class through Boulder County's program, but you can take it anywhere in the state. To find Boulder County dates: To find other dates in Colorado through an approved agency:  

Even if you are or have been a homeowner, you must take this class. The class expires after three year, so if you don't purchase a home in that timeframe you will need to take the class again.

Step Five: Shop for a Home

If you qualify for the Homeworks program then look at our website for a list of currently available homes. Homes listed in the past 30 days are on the "Newly Listed" page, but many other homes are available and listed by the number of bedrooms. Your Realtor can help you to set up showings, and open houses will be announced on our website.

If you will be using H2O to buy a home on the open market then work with your Realtor to find the home that you would like to purchase.

A list of Realtors is on this website, though you are not limited to Realtors on this list. If you choose to work with a different Realtor then please direct them to the "For Realtors" section of our website.

Step Five: After You Apply

Your preliminary certification is valid for six months or until you have a signed contract to buy a property. Recertification is mandatory, and there is no cost.

Once you have a signed contract to buy a home, the city will review the contract, inspection, loan, and buyer documents. If these items meet program requirements you will be issued a “final certification” letter and a copy of the Permanently Affordable Housing Covenant.

Once you've received final certification you are eligible to purchase your home. At closing you will sign documents prepared by the City of Boulder, including the Covenant. To prepare you for closing you will meet with a City of Boulder Homeownership staff member approximately one week before your closing to review these documents.

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