What Do You Need To Buy A House In Colorado ❲Complete❳

To buy a house in Colorado in 2026, you generally need a combination of financial readiness, specific documentation, and local-market preparation. While the median home list price was roughly as of late 2025, actual requirements depend heavily on your loan type. Financial Requirements Credit Score: 580+ for FHA loans with a 3.5% down payment. 620–640 for Conventional loans. 640+ is standard for most down payment assistance programs. Down Payment: 0% for VA (veterans) or USDA (rural areas) loans. 3% for first-time buyers using Conventional loans. 3.5% for FHA loans. Debt-to-Income (DTI) Ratio: