CHFA vs. VA Loan Colorado 2026 — Which Saves Veterans More? | StatewiseFinance Updated: June 2026 | Sources: chfainfo.com · VA.gov · denvergov.org · vets.colorado.gov · Veterans United · Zillow · NerdWallet CHFA vs. VA Loan in Colorado (2026) Which saves Colorado veterans more — and when does stacking both programs win? Colorado veterans face a decision shaped by one key fact: CHFA's DPA Grant (up to $25,000) is one of the most generous state DPA programs in the nation — but it comes with a higher interest rate on the first mortgage. The standard federal VA loan has a lower rate and no income limit, but no state grant. This guide runs the real numbers for three Colorado market scenarios so you can make an informed choice. This is Post 2 of 2 in the Colorado Hero Loan Series. Read Post 1 for the complete overview of all CHFA programs, SB26-053 first responder expansion, metroDPA, income limits by county, and GNND before comparing these two options. ...