Colorado Housing and Finance Authority

CHFA’s mission is to strengthen Colorado by investing in affordable housing and community development.

Relationship to the State Government: Self-Funded

Current Staff Size: 189


Visit CHFA's Website


CHFA is established



CHFA launches homeownership programs



CHFA begins small business finance



CHFA creates Housing Opportunities Fund



Down Payment Assistance launches



CHFA begins Homebuyer Education


Total Financing Provided


Rental Units Supported Since 1973


Homeowners Served Since 1973

Signature Program

Middle Income Access Loan Program (MIDDLE)

A pressing housing need in Colorado is for the “missing middle”—renters who can’t qualify for rent-restricted housing but can’t afford market-rate housing. CHFA’s Middle Income Access Loan Program supports developments serving middle-income households (80-120% AMI). With the program, CHFA has invested $13.9 million to support 622 units since 2018.

Affordable Rental Housing Units Supported: 622

Future Focus


Cris White

Executive Director

“CHFA is focusing on deeper engagement in communities to address their specific and unique housing needs to make a more meaningful and equitable impact on those we serve. This includes placing an increased number of Community Relationship Managers in additional communities around the state. This work is includes leveraging our localized presence to help provide technical assistance for small-scale (30 units or less) affordable rental housing developments in non-metro communities that may need help with the process and connecting with experts. To build further on these efforts, CHFA is innovating to launch several new programs to help address other growing, specialized housing needs in communities throughout Colorado.”

Success Stories


Westminster, CO

Maria is a CHFA homeownership customer. In an essay submitted to CHFA’s Home is Where My Story Starts℠ contest, of which she was one of 12 winners, she described that homeownership was a dream she didn’t think she could attain as a Mexican emigrant. With CHFA’s help, she not only achieved that dream, but raised her daughter in her home, who went on to become the first in her family to attend and graduate college. “CHFA made a difference in my life.”

Pathways Village


Grand Junction, CO

When Pathways Village opened in 2016, it was the first supportive housing development of its kind built along Colorado’s Western Slope region. It offers 40 units of supportive housing for homeless individuals and families. CHFA supported the development by awarding federal 9 percent Housing Tax Credits in 2014. Also, as the first residents prepared to move in, CHFA staff held a donation drive, contributing more 600 household items.

Walsh Community Grocery Store



When the only full-service grocery store in Walsh closed, residents had to travel 20 miles away for groceries. The town united to reopen the store and regain local fresh food access. Walsh Community Grocery Store is operated by a board of directors and owned by community members. To support store upgrades, the CHFA-administered Colorado Fresh Food Financing Fund (CO4F) provided a $50,000 grant and a $50,000 loan.

David and Joana, CHFA homeownership customers, Greeley, Colorado
Heidi and Zach, CHFA homeownership customers, Colorado Springs, Colorado
Lois, resident of Meadows at Montbello, CHFA rental housing customer, Denver, Colorado
David, resident of Anthracite Place, CHFA rental housing customer, Crested Butte, Colorado
Ash Street Apartments, CHFA rental housing customer, Denver, Colorado