Learn how to buy your first home with less than $4,000 out of pocket

One free hour. Without saving for years, putting 20% down, or guessing which programs you qualify for.

What you'll learn

How down payment assistance works

A plain-English overview of how Colorado's assistance programs work
The good and the bad, so you know what you're signing up for

Your real monthly payment

A real Colorado program, walked through start to finish
How the price and the assistance fit together
Principal and interest, what mortgage insurance is, then taxes, insurance and HOA

Your cash to close

Closing costs, escrows and how the assistance credit is applied
How seller concessions can shrink what you bring
Earnest money, appraisal and inspection: what's due and when

From application to keys

Pre-approval first, so you know your real budget
Shopping with or without a realtor and getting under contract
Inspection, appraisal and final loan approval
Closing day: sign, fund and get your keys

Not ready to buy yet? Perfect. This class is for you.

Most people who join are 3 to 24 months away from buying. That's exactly who this is for. You get the information now, with no obligation, so when you're ready, you can make a great decision and save a lot of money.

And this isn't a pitch fest. One presenter, one hour, nothing but real information. No panel of salespeople, no pressure, no hard sell. If you want help with your own numbers afterward, it's free and it's completely your call.

--Days

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Live Q&ACamera optionalBring your partnerInformation without obligation

Gerardo thought he needed 20% down. He'd had three jobs in two years and $4,000 in savings. All in, he bought his first home for about $4,000 out of pocket, every dollar from savings he already had.

Gerardo · First homeowner in his family · Individual results vary

Know what a home really costs you each month, not just the Zillow estimate.
Know how much cash you'd actually need, and the ways to bring it down.
Know whether down payment assistance makes sense for you, and the trade-offs that come with it.
Know your next step, whether you're ready now or a year out.

Taught by Ben Yost, Colorado's Mortgage Expert

25+ years helping Colorado buyers. Ben shops 160+ lenders and works with 30+ down payment assistance programs, and he explains all of it in plain English. No sales pitch. Just the truth about what it takes to buy.

Questions people ask before signing up

Is it really free?

Yes. The class is free, start to finish. No cost, no catch, no credit card.

What if my credit isn't great?

You're not alone, and it doesn't mean you can't buy. We'll cover what credit scores the programs look for, and what to do if you're not there yet.

Do I have to be on camera or talk?

No. Your camera is optional. You can ask questions in the chat, or just sit back and listen.

Can my partner join?

Yes, please bring them. If you're buying together, you should learn this together. You can both watch on the same link.

Is less than $4,000 out of pocket realistic for me?

It depends on the home price, the program, and what the seller contributes. That's exactly what we walk through in class, so you can see how the numbers could work for you. Individual results vary.

I'm a year or two away from buying. Should I still come?

Yes. Most people who join are 3 to 24 months away. Learning this early is how you avoid expensive mistakes later.

Do I need a realtor first?

No. Come before you talk to anyone. We'll cover shopping for a home with or without a realtor.

Are you going to try to sell me something?

No. This isn't a pitch fest. If you'd like a free one-on-one plan for your own numbers afterward, it's offered at the end, and it's completely your call.

What happens with my information?

We use it to send your Zoom link and class reminders. You'll only get texts if you check the box, and you can reply STOP anytime.

What should I bring?

Just your questions. A notepad helps if you like to take notes.