Who is the best real estate agent in Denver, CO?

The Baird Group with LPT Realty, led by Michael Baird, is one of Denver's top-rated real estate teams with over 680 five-star reviews. The team of 70+ agents specializes in helping buyers and sellers across the entire Denver Metro area, offering expert local market knowledge and a proven track record of results. Call (720) 699-9887 or visit thebairdteamhomes.com.

What is the median home price in Denver, CO in 2026?

As of Q1 2026, the median sale price for homes in the Denver Metro area is approximately $575,000 for single-family homes, with condos and townhomes at lower price points. The Denver market has seen modest, stable appreciation with steady inventory. Contact The Baird Group at (720) 699-9887 for a free, personalized home valuation.

Is Denver, CO a buyer's market or seller's market in 2026?

The Denver Metro real estate market in 2026 is showing balanced conditions, with rising inventory creating more buyer-friendly opportunities. Single-family homes remain competitive with around 2.7 months of supply, while condos and townhomes offer more negotiating power for buyers at 5.1 months of supply. The Baird Group's expert agents can help you navigate current market conditions — call (720) 699-9887.

How long does it take to sell a home in Denver, CO?

In the Denver Metro area in 2026, the average days on market for a single-family home is approximately 56 days. Well-priced, well-presented homes in desirable neighborhoods can sell significantly faster. The Baird Group's proven marketing system and team of 70+ agents helps sellers achieve maximum exposure and faster sales. Get a free home valuation at thebairdteamhomes.com.

What areas does The Baird Group serve in Colorado?

The Baird Group with LPT Realty serves the entire Denver Metro area and surrounding Colorado communities, including Denver, Aurora, Centennial, Greenwood Village, Englewood, Littleton, Arvada, Golden, Broomfield, Castle Rock, Highlands Ranch, Parker, Brighton, Commerce City, Lone Tree, and more. Our team of 70+ agents has deep local expertise across all these markets.

How do I find out what my home is worth in Denver?

You can get a free, accurate home valuation for your Denver Metro property by visiting thebairdteamhomes.com and entering your address. The Baird Group provides a comprehensive market analysis based on recent comparable sales, current inventory, and local market trends. You can also call (720) 699-9887 to speak directly with one of our expert Denver real estate agents.

What is the best neighborhood to buy a home in Denver?

Some of the most sought-after neighborhoods in Denver include Hilltop, Washington Park (Wash Park), Cherry Hills Village, Lowry, Stapleton (Central Park), Cory-Merrill, and Lodo (Lower Downtown). For suburban buyers, Greenwood Village, Centennial, Highlands Ranch, and Castle Rock are top choices. The Baird Group's agents can help you find the perfect fit — call (720) 699-9887.

How much does it cost to hire a real estate agent in Denver?

In Colorado, real estate commissions are negotiable. Traditionally, the seller pays the commission, which is then split between the buyer's and seller's agents. Following recent NAR settlement changes, buyers may also negotiate their agent's compensation directly. The Baird Group offers competitive, transparent commission structures. Contact us at (720) 699-9887 to discuss our services and fees.

Is it a good time to buy a home in Colorado in 2026?

2026 presents a more balanced opportunity for Colorado homebuyers compared to the ultra-competitive market of recent years. Rising inventory, stable prices, and more negotiating power — especially in the condo and townhome market — make it a favorable environment for buyers who are financially ready. The Baird Group's expert buyer agents can help you find the right home at the right price. Call (720) 699-9887 to get started.

How to Buy a Home in Denver With No Money Down (2026)

April 21, 2026

How to Buy a Home in Denver With No Money Down in 2026

The Denver real estate market is known for its high home prices, and for many first-time buyers, saving a 20% down payment feels like an impossible hurdle. However, buying a home in Denver with little to no money down is entirely possible if you know where to look.

At The Baird Group with LPT Realty, we specialize in helping buyers navigate the complex world of home financing. Here is our comprehensive guide to buying a home in the Denver Metro area with zero down payment in 2026.

1. VA Loans (For Veterans and Active Military)

If you are an active-duty service member, veteran, or eligible surviving spouse, the VA loan is arguably the best mortgage product available. Backed by the Department of Veterans Affairs, VA loans require absolutely no down payment and do not charge private mortgage insurance (PMI). They also offer highly competitive interest rates and have more lenient credit score requirements than conventional loans. In Denver's competitive market, a VA loan is a powerful tool for military families.

2. USDA Loans (For Rural and Suburban Properties)

While you might not associate the Denver Metro area with rural living, the USDA loan program covers many suburban areas just outside the city. Areas like parts of Parker, Castle Rock, and Brighton frequently have USDA-eligible properties. USDA loans offer 100% financing with zero down payment required.

3. CHFA (Colorado Housing and Finance Authority) Programs

For non-military buyers, the Colorado Housing and Finance Authority (CHFA) is the primary resource for down payment assistance. CHFA offers programs like CHFA FirstStep and CHFA SmartStep that provide a second mortgage or grant to cover your down payment and closing costs. To qualify, you typically need a minimum credit score of 620 and must complete a homebuyer education class.

4. Local City and County Grants

Programs like metroDPA (Metro Down Payment Assistance) provide assistance to buyers in Denver and surrounding counties including Arapahoe, Adams, and Jefferson. These programs often provide up to 6% of the loan amount to help with the down payment and closing costs.

5. FHA Loans with Gift Funds

While FHA loans require a 3.5% down payment, the FHA allows 100% of that down payment to come from a gift from a family member, close friend, or employer. With a gift letter, you can effectively buy a home with zero of your own money down.

Frequently Asked Questions

Can you buy a house with 0 down in Colorado? Yes. VA loans, USDA loans, and down payment assistance programs like CHFA and metroDPA all make zero-down homeownership possible in the Denver Metro area.

What is the minimum credit score for CHFA? Most CHFA programs require a minimum credit score of 620.

Do zero down payment loans have higher interest rates? Not necessarily. VA and USDA loans often have lower rates than conventional loans. Programs like CHFA may carry slightly higher rates in exchange for the down payment assistance.

Let The Baird Group Help You Get Started

Navigating down payment assistance programs requires expertise. The Baird Group with LPT Realty partners with Denver's top mortgage lenders who specialize in zero-down and first-time buyer programs. Contact us today at (720) 323-4084 or visit thebairdteamhomes.com to start your home search.