{"id":15740,"date":"2025-07-16T10:11:17","date_gmt":"2025-07-16T14:11:17","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=15740"},"modified":"2025-07-16T10:11:37","modified_gmt":"2025-07-16T14:11:37","slug":"grants-for-centennial-new-homes","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/grants-for-centennial-new-homes\/","title":{"rendered":"Get Up to $25K in Grants for Centennial\u2019s New Homes (2025)"},"content":{"rendered":"\n<p>Buying your first home in Centennial, Colorado, is exciting, but let&#8217;s be honest: it can also feel intimidating. Prices here have climbed quickly, and brand-new homes are often priced higher than older ones. Right now, the typical price for a <a href=\"https:\/\/www.realtor.com\/realestateandhomes-search\/Centennial_CO\/shw-nc\" target=\"_blank\" rel=\"noreferrer noopener\">new-build home in Centennial<\/a> is around <strong>$660,000<\/strong>, which can seem out of reach, especially when you\u2019re trying to come up with a down payment.<\/p>\n\n\n\n<p>But here\u2019s some good news: as a first-time homebuyer, you have options. Centennial buyers can use special grants and assistance programs to significantly cut down on those upfront costs. Some programs can even cover your entire down payment or closing fees, making homeownership achievable much sooner.<\/p>\n\n\n\n<p>I\u2019ve seen firsthand how powerful these grants and incentives can be. In this article, I\u2019ll guide you through the best <a href=\"https:\/\/www.chfainfo.com\/homeownership\" target=\"_blank\" rel=\"noreferrer noopener\">first-time buyer grants<\/a> available in Centennial right now, how they pair perfectly with new homes, and exactly what steps you need to take to access them.<\/p>\n\n\n\n<p>Ready to make buying your first home in Centennial a realistic, stress-free experience? Let&#8217;s get started.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Table of contents<\/h2><ul><li><a href=\"#h-centennial-s-new-construction-market-snapshot-2025\" data-level=\"2\">Centennial\u2019s New Construction Market Snapshot (2025)<\/a><\/li><li><a href=\"#h-why-first-time-buyer-grants-matter\" data-level=\"2\">Why First-Time Buyer Grants Matter<\/a><\/li><li><a href=\"#h-first-time-homebuyer-grants-and-programs-in-centennial-2025\" data-level=\"2\">First-Time Homebuyer Grants and Programs in Centennial (2025)<\/a><\/li><li><a href=\"#h-combining-grants-with-builder-incentives\" data-level=\"2\">Combining Grants with Builder Incentives<\/a><\/li><li><a href=\"#h-looking-beyond-new-builds-off-market-options-and-extra-savings\" data-level=\"2\">Looking Beyond New Builds: Off-Market Options and Extra Savings<\/a><\/li><li><a href=\"#h-how-to-qualify-and-apply-steps-to-get-started\" data-level=\"2\">How to Qualify and Apply \u2013 Steps to Get Started<\/a><\/li><li><a href=\"#h-making-centennial-homeownership-a-reality\" data-level=\"2\">Making Centennial Homeownership a Reality<\/a><\/li><li><a href=\"#h-just-ask-jordan\" data-level=\"2\">Just Ask Jordan<\/a><\/li><\/ul><\/div>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-centennial-s-new-construction-market-snapshot-2025\">Centennial\u2019s New Construction Market Snapshot (2025)<\/h2>\n\n\n\n<p>Centennial is one of Denver\u2019s most popular suburbs, and for good reason. Great schools, modern amenities, and easy access to downtown Denver attract everyone from young professionals to growing families. And because it\u2019s growing, new neighborhoods filled with brand-new homes are constantly popping up.<\/p>\n\n\n\n<p>Right now, in mid-2025, the <a href=\"https:\/\/www.redfin.com\/city\/3327\/CO\/Centennial\/housing-market\" target=\"_blank\" rel=\"noreferrer noopener\">median price for a new-build home in Centennial<\/a> is around <strong>$660,000<\/strong>. While that might sound high, it reflects the premium buyers place on new construction, homes with modern designs, energy efficiency, and warranties that remove the hassle of major repairs in the first few years.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXdukIP430EoOJZr5ixUfsAY7SivO6Dw2QJ8v1qdLvvEa4v8sQPYQ6RZl0q2gADsHLYbRPQseRCFBlrfCF-3frnN0me-Q7xNNPsaKgZpuTIzBeiP6UGUM6Pd_ApGYY37U60hyzecHw?key=ARa9mom6pY6IUmxJA6Pw6g\" alt=\"\"\/><\/figure>\n\n\n\n<p>But here\u2019s the catch: to buy one of these new homes with a conventional loan, you&#8217;ll typically need at least <strong>3\u20135%<\/strong> down, which is roughly <strong>$20,000\u2013$33,000<\/strong>. That\u2019s before factoring in closing costs, which can add another <strong>2\u20134%<\/strong> to your upfront expenses. For many first-time buyers, these amounts feel impossible to save, especially with rising living costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-first-time-buyer-grants-matter\">Why First-Time Buyer Grants Matter<\/h2>\n\n\n\n<p>Buying your first home isn&#8217;t just about finding the right house, it&#8217;s about being able to afford it without feeling overwhelmed. Many first-time buyers in Centennial have steady jobs and good credit, but saving up enough cash for the down payment can still be tough.<\/p>\n\n\n\n<p>That\u2019s exactly why <a href=\"https:\/\/officials-housing-toolkit.cdola.colorado.gov\/homeownership-support-stability\" target=\"_blank\" rel=\"noreferrer noopener\">first-time buyer grants<\/a> and assistance programs exist. They help you cover the upfront costs, meaning you don\u2019t need to drain your savings or borrow from family.<\/p>\n\n\n\n<p>Here\u2019s why these grants matter, especially in Centennial:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Less cash upfront<\/strong>: Typically, you&#8217;ll need at least <strong>3\u20135%<\/strong> of the home&#8217;s price upfront. For a $660,000 home, that\u2019s between <strong>$20,000\u2013$33,000<\/strong>. Grants can cover all or part of this.<br><\/li>\n\n\n\n<li><strong>Fewer barriers to homeownership<\/strong>: Programs are often designed specifically to help middle-income families, young professionals, or anyone struggling to save for that large initial payment.<br><\/li>\n\n\n\n<li><strong>Financial breathing room<\/strong>: With less money required at closing, you&#8217;ll have more flexibility to handle other homeownership costs, like moving expenses or furnishing your new home.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-grants-vs-forgivable-loans-what-s-the-difference\">Grants vs. Forgivable Loans: What&#8217;s the Difference?<\/h3>\n\n\n\n<p>Not every assistance program is the same, so here\u2019s a quick breakdown of the most common types:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Grants<\/strong>: This is essentially free money. You don&#8217;t need to repay it, as long as you meet basic conditions, such as staying in the home for a certain period (typically around three years).<br><\/li>\n\n\n\n<li><strong>Forgivable Loans<\/strong>: These loans don&#8217;t have monthly payments and usually charge no interest. Instead, if you live in the home for the agreed amount of time (often 3\u20135 years), the loan is forgiven entirely. If you move or sell early, you simply repay a portion of the loan.<\/li>\n<\/ul>\n\n\n\n<p>For example, the <a href=\"https:\/\/www.chfainfo.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Colorado Housing and Finance Authority (CHFA)<\/a> offers a popular down-payment grant providing up to <strong>3% of the purchase price<\/strong>, which means you could get up to about <strong>$19,800<\/strong> for a home priced at $660,000, and you never have to pay it back.<\/p>\n\n\n\n<p>On top of that, Centennial buyers often layer these grants with builder incentives or lender programs to maximize savings, making homeownership not only achievable but affordable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-first-time-homebuyer-grants-and-programs-in-centennial-2025\">First-Time Homebuyer Grants and Programs in Centennial (2025)<\/h2>\n\n\n\n<p>If you\u2019re considering a new-build home in Centennial, several programs exist specifically to help first-time buyers like you. Here\u2019s an easy breakdown of the best options currently available:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeOsJlsHWtHMGaKh0qeShI1VdXIS1nExwUPEU5KjGCEHoavL0maAM5snKES25CWZKtdEeLGJy7-gWY8IDxepS-_Ri3lngWkKz_vk8MDk9ChIbfU5EzF09Vlp32sUNiTJbCK6EJ3?key=ARa9mom6pY6IUmxJA6Pw6g\" alt=\"\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-chfa-down-payment-assistance-grant\">1. CHFA Down Payment Assistance Grant<\/h3>\n\n\n\n<p><strong>Who runs it:<\/strong> Colorado Housing and Finance Authority (CHFA)<br><strong>How much you get:<\/strong> Up to <strong>3% of your home&#8217;s purchase price<\/strong><strong><br><\/strong><strong>Example:<\/strong> On a $660,000 home, you could receive about <strong>$19,800<\/strong><\/p>\n\n\n\n<p><strong>Key benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This is a <strong>true grant<\/strong>, meaning you never have to repay it.<br><\/li>\n\n\n\n<li>Eligible for new-build homes.<br><\/li>\n\n\n\n<li>Minimal personal cash required (only <strong>$1,000<\/strong> of your own money).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-chfa-second-mortgage-deferred-loan\">2. CHFA Second Mortgage (Deferred Loan)<\/h3>\n\n\n\n<p><strong>Who runs it:<\/strong> CHFA<br><strong>How much you get:<\/strong> Up to <strong>4% of your mortgage amount<\/strong><strong><br><\/strong><strong>Example:<\/strong> A loan of $600,000 could give you up to <strong>$24,000<\/strong><\/p>\n\n\n\n<p><strong>Key benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No monthly payments, and <strong>0% interest<\/strong>.<br><\/li>\n\n\n\n<li>You repay this only if you sell or refinance your home.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-metro-dpa-program\">3. Metro DPA Program<\/h3>\n\n\n\n<p><strong>Who runs it:<\/strong> Denver-area local governments (available in Centennial)<br><strong>How much you get:<\/strong> Typically up to <strong>5%<\/strong> of your loan amount<br><strong>Example:<\/strong> A $500,000 mortgage can get you <strong>up to $25,000<\/strong><\/p>\n\n\n\n<p><strong>Key benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fully forgivable after 3 years<\/strong> of living in the home.<br><\/li>\n\n\n\n<li>Available for FHA, VA, and conventional loans.<br><\/li>\n\n\n\n<li>Generous income limits (households earning up to ~$200,000\/year can qualify).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-wells-fargo-homebuyer-access-grant\">4. Wells Fargo Homebuyer Access Grant<\/h3>\n\n\n\n<p><strong>Who runs it:<\/strong> Wells Fargo Bank<br><strong>How much you get:<\/strong> Flat <strong>$10,000<\/strong> toward your down payment<br><\/p>\n\n\n\n<p><strong>Key benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This is a <a href=\"https:\/\/sites.wf.com\/accessgrant\/?dm=DMIVU7CBGA\" target=\"_blank\" rel=\"noreferrer noopener\">direct grant<\/a>, <strong>no repayment required<\/strong>.<br><\/li>\n\n\n\n<li>Can combine easily with CHFA programs.<br><\/li>\n\n\n\n<li>Centennial buyers are eligible.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-neighborhoodlift-grant-when-available\">5. NeighborhoodLIFT Grant (When Available)<\/h3>\n\n\n\n<p><strong>Who runs it:<\/strong> Wells Fargo and local nonprofits<br><strong>How much you get:<\/strong> Up to <strong>$15,000<\/strong><\/p>\n\n\n\n<p><strong>Key benefits:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Completely forgiven if you stay in the home for 3\u20135 years.<br><\/li>\n\n\n\n<li>Limited-time availability, <a href=\"https:\/\/www.wellsfargo.com\/mortgage\/buying-a-house\/first-time-home-buyer\/\" target=\"_blank\" rel=\"noreferrer noopener\">check regularly for new funding rounds<\/a>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-additional-options-fha-and-va-loans\">Additional Options: FHA and VA Loans<\/h3>\n\n\n\n<p>Although not grants, these federal loan options significantly reduce your down-payment requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA Loan:<\/strong> Only <strong>3.5% down<\/strong> (about $23,000 on a $660K home).<br><\/li>\n\n\n\n<li><strong>VA Loan:<\/strong> <strong>0% down payment<\/strong> (if you&#8217;re a qualifying veteran or active service member).<\/li>\n<\/ul>\n\n\n\n<p>These can be combined with grant programs above, further reducing your upfront costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pro-tip-stack-your-savings\">Pro Tip: Stack Your Savings<\/h3>\n\n\n\n<p>You\u2019re not limited to just one program, many Centennial buyers successfully combine multiple grants, loans, and even builder incentives. For example, you might pair <a href=\"https:\/\/www.chfainfo.com\/homeownership\/down-payment-assistance\">CHFA\u2019s grant<\/a> with a <a href=\"http:\/\/metrodpa.org\/\">Metro DPA<\/a> forgivable loan and a builder-offered closing-cost credit. Doing this can easily double or even triple your savings.<\/p>\n\n\n\n<p>In the next section, I&#8217;ll explain how to strategically combine these grants and builder incentives for maximum benefit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combining-grants-with-builder-incentives\">Combining Grants with Builder Incentives<\/h2>\n\n\n\n<p>Buying a brand-new home in Centennial doesn\u2019t just mean tapping into grant programs. You can also benefit from builder incentives, special deals offered by developers to make their homes more attractive. These incentives often include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credits toward your closing costs<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Interest rate reductions<\/strong> (temporary or permanent)<br><\/li>\n\n\n\n<li><strong>Free upgrades<\/strong>, such as appliances or smart-home technology<\/li>\n<\/ul>\n\n\n\n<p>When you combine these builder incentives with first-time buyer grants, your savings multiply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-it-works-a-real-life-example\">How It Works: A Real-Life Example<\/h3>\n\n\n\n<p>Let\u2019s say you&#8217;re buying a newly built home listed at <strong>$650,000<\/strong> in Centennial. Normally, your upfront costs would look like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Down payment (5%)<\/strong>: $32,500<br><\/li>\n\n\n\n<li><strong>Closing costs (approx. 3%)<\/strong>: $19,500<br><strong>Total upfront<\/strong>: Around <strong>$52,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p>That\u2019s daunting for most first-timers.<\/p>\n\n\n\n<p>Now, imagine you leverage a few programs and builder incentives:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CHFA 3% Grant<\/strong>: Covers <strong>$19,500<\/strong> of your down payment<br><\/li>\n\n\n\n<li><strong>Metro DPA Forgivable Loan<\/strong>: Provides another <strong>$12,000<\/strong> toward closing costs<br><\/li>\n\n\n\n<li><strong>Builder Closing Cost Credit<\/strong>: Adds another <strong>$7,500<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Your new upfront total? Just around <strong>$13,000<\/strong>, a massive difference.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-builder-incentives-available-in-centennial-2025\">Builder Incentives Available in Centennial (2025)<\/h3>\n\n\n\n<p>Many reputable builders in the Centennial area currently offer incentives. Examples include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.richmondamerican.com\/colorado\/denver-metro-new-homes\/centennial\/\" target=\"_blank\" rel=\"noreferrer noopener\">Richmond American Homes<\/a> offering <strong>$15,000 toward closing costs<\/strong> when using their preferred lender.<br><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lennar.com\/new-homes\/colorado\/denver\" target=\"_blank\" rel=\"noreferrer noopener\">Lennar Homes<\/a> providing <strong>interest-rate buydowns<\/strong> that significantly lower monthly payments in the first few years.<br><\/li>\n\n\n\n<li><a href=\"https:\/\/oakwoodhomesco.com\/region\/colorado\/\" target=\"_blank\" rel=\"noreferrer noopener\">Oakwood Homes<\/a> frequently offers up to <strong>$25,000<\/strong> in buyer credits or special reduced-interest financing options.<\/li>\n<\/ul>\n\n\n\n<p>Always ask the builder&#8217;s sales representative about current promotions. Even if incentives aren\u2019t advertised, builders are often willing to negotiate, especially if you have grant funding already approved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-combine-builder-and-grant-incentives-effectively\">How to Combine Builder and Grant Incentives Effectively<\/h3>\n\n\n\n<p>Here&#8217;s a quick action plan to get the best combined savings:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Get pre-approved for assistance programs<\/strong> first, so you know exactly how much you&#8217;re receiving in grants or loans.<br><\/li>\n\n\n\n<li><strong>Visit new-home communities<\/strong> and clearly inform builders you have grants lined up.<br><\/li>\n\n\n\n<li><strong>Ask specifically<\/strong>: &#8220;Do you offer any closing cost credits or financing incentives?&#8221;<br><\/li>\n\n\n\n<li><strong>Have your realtor negotiate on your behalf<\/strong>, especially if you\u2019re combining multiple assistance programs.<\/li>\n<\/ol>\n\n\n\n<p>Combining these benefits means buying your first home can become not only affordable, but also financially comfortable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-looking-beyond-new-builds-off-market-options-and-extra-savings\">Looking Beyond New Builds: Off-Market Options and Extra Savings<\/h2>\n\n\n\n<p>Not every great deal for first-time buyers shows up online or in new neighborhoods. Some of the best homes in Centennial never even get listed on public sites. I\u2019ve helped a lot of buyers find these places, quietly, before the rest of the market catches on.<\/p>\n\n\n\n<p>If you let me know what you\u2019re looking for, along with your prequalified amount and what really matters to you, I can tap into my local network and show you off-market homes that fit. These aren\u2019t houses you\u2019ll see advertised everywhere. Sometimes you get in earlier, with less competition and more room to negotiate.<\/p>\n\n\n\n<p>On top of that, I work to get you better terms, like lower mortgage rates, reduced fees, and help with closing costs. It\u2019s all about putting you in your first home with as little stress and as much savings as possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-qualify-and-apply-steps-to-get-started\">How to Qualify and Apply \u2013 Steps to Get Started<\/h2>\n\n\n\n<p>Wondering exactly how to access these grants and builder incentives? Follow this easy, step-by-step guide:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-complete-a-homebuyer-education-course\">Step 1: Complete a Homebuyer Education Course<\/h3>\n\n\n\n<p>Almost every grant program requires that you complete a <strong>homebuyer education class<\/strong>. These classes help you understand mortgages, budgeting, and how to maintain your new home. Classes can be done online, typically lasting only a few hours.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recommended resource:<\/strong> <a href=\"https:\/\/www.chfainfo.com\/homeownership\/homebuyer-education\" target=\"_blank\" rel=\"noreferrer noopener\">CHFA-approved homebuyer education courses<br><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-check-your-eligibility-and-financial-situation\">Step 2: Check Your Eligibility and Financial Situation<\/h3>\n\n\n\n<p>Most programs have eligibility rules, typically around your income and credit score:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Typical credit score needed:<\/strong> at least <strong>620<\/strong> (580+ may qualify with FHA)<br><\/li>\n\n\n\n<li><strong>Income limits:<\/strong> usually around <strong>$140,000\u2013$200,000<\/strong> for Centennial programs (depending on your family size and the specific program)<br><\/li>\n\n\n\n<li><strong>Minimum cash requirement:<\/strong> usually around <strong>$1,000<\/strong> of your own funds<br><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Program<\/strong><\/td><td><strong>1-2 Person Household<\/strong><\/td><td><strong>3+ Person Household<\/strong><\/td><\/tr><tr><td><strong>CHFA<\/strong><\/td><td>140,000<\/td><td>161,000<\/td><\/tr><tr><td><strong>Metro DPA<\/strong><\/td><td>180,000<\/td><td>200,000<\/td><\/tr><tr><td><strong>Wells Fargo Grant<\/strong><\/td><td>123,000<\/td><td>145,000<\/td><\/tr><tr><td><strong>NeighborhoodLIFT<\/strong><\/td><td>125,000<\/td><td>150,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Quick tip:<\/strong> Pull your <a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> now to spot any issues early, giving you time to fix them before applying.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-connect-with-a-lender-experienced-in-grants-and-new-builds\">Step 3: Connect with a Lender Experienced in Grants and New Builds<\/h3>\n\n\n\n<p>Not every lender is familiar with down payment grants, forgivable loans, and builder incentives. Look specifically for lenders who frequently handle:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CHFA mortgages and grants<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Metro DPA forgivable loans<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Builder-backed financing<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<p>Your lender will confirm your eligibility, help you choose the best programs, and provide a <strong>pre-approval letter<\/strong> to strengthen your offer.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Find an approved lender:<\/strong> <a href=\"https:\/\/www.chfainfo.com\/homeownership\/find-a-participating-lender\" target=\"_blank\" rel=\"noreferrer noopener\">CHFA Participating Lenders<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-start-shopping-for-your-centennial-home\">Step 4: Start Shopping for Your Centennial Home<\/h3>\n\n\n\n<p>With pre-approval in hand, you can confidently visit new-home communities. Tell builders upfront that you\u2019re working with specific grants and ask directly about current incentives.<\/p>\n\n\n\n<p><strong>Good questions to ask builders:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#8220;Are you offering any closing cost credits or financing incentives?&#8221;<br><\/li>\n\n\n\n<li>&#8220;Do you have preferred lenders who offer additional benefits?&#8221;<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-5-secure-your-purchase-and-finalize-grant-paperwork\">Step 5: Secure Your Purchase and Finalize Grant Paperwork<\/h3>\n\n\n\n<p>Once you\u2019ve selected a home, your realtor (that&#8217;s me!) will negotiate incentives clearly into your contract. Then your lender will coordinate with the grant or assistance programs, ensuring all paperwork aligns with your closing timeline.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Allow at least <strong>30\u201345 days<\/strong> for loan and grant processing (possibly longer for homes still under construction).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-6-closing-day-enjoy-your-savings\">Step 6: Closing Day. Enjoy Your Savings!<\/h3>\n\n\n\n<p>At closing, you\u2019ll sign documents for your primary mortgage and any assistance programs. Thanks to these programs, your out-of-pocket cost at closing can be minimal. Many buyers pay only a fraction of their original upfront costs.<\/p>\n\n\n\n<p>After closing, all that\u2019s left is moving into your new home in Centennial!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-7-stay-informed-and-plan-ahead\">Step 7: Stay Informed and Plan Ahead<\/h3>\n\n\n\n<p>Some assistance programs require you to live in your home for a certain period (typically <strong>3\u20135 years<\/strong>) to avoid repayment. Mark these milestones clearly and stay informed of any ongoing requirements, such as annual tax credits if you received an MCC (Mortgage Credit Certificate).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-making-centennial-homeownership-a-reality\">Making Centennial Homeownership a Reality<\/h2>\n\n\n\n<p>Buying your first home, especially a brand-new build, can seem overwhelming at first. But with the right tools, grants, and incentives, homeownership in Centennial isn\u2019t just achievable, it&#8217;s affordable and realistic.<\/p>\n\n\n\n<p>You now know about programs that can save you tens of thousands of dollars upfront, turning a home priced at $660,000 into something comfortably within reach. You know the exact steps to take and how combining grants with builder incentives can help you move in with minimal cash out of pocket.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfZuMaw3aSOE0UAeMoQUon1WlsCSBxF7GcM9b5xLq7Yg_SEQogtAz8zDwGjkCbk3-pk-V_tBs-ap4Fp-0nxstVbuJSq6UT-69mzNZhGZSUIsdtllsPS7mo9Ran8RIsoHoQHgoDvFA?key=ARa9mom6pY6IUmxJA6Pw6g\" alt=\"\"\/><\/figure>\n\n\n\n<p>As your local realtor here in Centennial, I&#8217;ve seen these programs help countless first-time buyers transition smoothly into homeownership. My goal is always to simplify the process so that your first home experience is as stress-free and rewarding as possible.<\/p>\n\n\n\n<p>Ready to see what&#8217;s out there and put these programs to work for you? I&#8217;m here to help every step of the way.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-just-ask-jordan\">Just Ask Jordan<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1752671016525\"><strong class=\"schema-faq-question\">Can these first-time buyer grants be used for new construction homes specifically?<\/strong> <p class=\"schema-faq-answer\">Yes, absolutely. All the programs we&#8217;ve discussed, CHFA grants, Metro DPA, and private grants like Wells Fargo\u2019s, can definitely be used for brand-new homes in Centennial.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752671023185\"><strong class=\"schema-faq-question\">Do I have to repay these grants?<\/strong> <p class=\"schema-faq-answer\">Many grants (like CHFA&#8217;s 3% grant or Wells Fargo\u2019s $10,000 grant) never require repayment. Forgivable loans, like Metro DPA, only require repayment if you sell or refinance before a set period (usually around 3 years). After that, they&#8217;re fully forgiven.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752671028730\"><strong class=\"schema-faq-question\">Can I combine multiple programs to get more financial assistance?<\/strong> <p class=\"schema-faq-answer\">Yes. It&#8217;s common for buyers to pair a grant (like CHFA\u2019s) with forgivable loans or builder incentives. This stacking strategy can greatly reduce your upfront and monthly costs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752671036319\"><strong class=\"schema-faq-question\">What credit score do I need to qualify?<\/strong> <p class=\"schema-faq-answer\">Most assistance programs require a minimum credit score of about 620, but FHA loans combined with grants can sometimes accept scores as low as 580.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752671041999\"><strong class=\"schema-faq-question\">Do I really need a realtor when buying a new home from a builder?<\/strong> <p class=\"schema-faq-answer\">While not required, it\u2019s highly recommended. A realtor (like me!) represents your interests, negotiates the best incentives, and guides you through applying for these assistance programs, at no additional cost to you.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752671047981\"><strong class=\"schema-faq-question\">Is buying a new-build home worth it compared to an older home?<\/strong> <p class=\"schema-faq-answer\">It often is, new homes mean lower maintenance, modern design, better efficiency, and builder warranties. Grants and incentives often make the price difference manageable.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying your first home in Centennial, Colorado, is exciting, but let&#8217;s be honest: it can also feel intimidating. Prices here have climbed quickly, and brand-new homes are often priced higher than older ones. Right now, the typical price for a new-build home in Centennial is around $660,000, which can seem out of reach, especially when [&hellip;]<\/p>\n","protected":false},"author":42,"featured_media":15743,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[146,145,3],"tags":[],"class_list":["post-15740","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-colorado","category-denver","category-home-buying"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Get Up to $25K in Grants for Centennial\u2019s New Homes (2025)<\/title>\n<meta name=\"description\" content=\"Discover how to access up to $25K in first-time buyer grants and incentives to reduce your down payment on new homes (2025).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibuyer.com\/blog\/grants-for-centennial-new-homes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get Up to $25K in Grants for Centennial\u2019s New Homes (2025)\" \/>\n<meta property=\"og:description\" content=\"Discover how to access up to $25K in first-time buyer grants and incentives to reduce your down payment on new homes (2025).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ibuyer.com\/blog\/grants-for-centennial-new-homes\/\" \/>\n<meta property=\"og:site_name\" content=\"iBuyer Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-16T14:11:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-16T14:11:37+00:00\" \/>\n<meta property=\"og:image\" 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navigate today\u2019s fast-changing housing market with clarity and confidence. 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