Colorado Emergency Mortgage Assistance Program (EMAP)

Colorado Housing and Finance Authority

Available Home Repair

About This Program

Federally funded assistance for homeowners who experienced financial hardship due to COVID-19 pandemic. Provides funds for past-due mortgage payments, property taxes, insurance, and HOA fees to prevent foreclosure. Must demonstrate income loss or hardship after January 2020.

Assistance amount based on documented arrearages and ongoing need

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $40,000 for mortgage arrears
  • COVID-19 hardship required
  • Income at or below 150% AMI
  • Covers mortgage, taxes, insurance, HOA
  • Applications open through December 2025

How to Apply

A grant-savvy contractor in Columbine, CO can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Columbine early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Applications accepted through December 31, 2025

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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