Important Updates to the Colorado Emergency Mortgage Assistance Program (EMAP)
EMAP is closing its application portal at 5:00 p.m. MST on Tuesday, August 26, 2025. After that date, no new applications will be accepted.
Recent Changes Posted By EMAP:
- You must complete your EMAP application before August 26, 2025 at 5:00 p.m. MST
- After the application deadline, any submitted application that has not yet been assigned to a reviewer will go on a waitlist.
- All applications will be reviewed in the order they were received
- All applications are contingent upon funding availability
- If you apply, please continue checking your status for any changes through the online portal.
For assistance with existing application questions, contact the CARE Center by phone or text at 720-356-0174, email at: [email protected], or by chat at https://cedproject.org Monday through Friday from 8:30 a.m. – 5:30 p.m.
About EMAP
EMAP provides financial assistance to income-eligible homeowners who have experienced financial hardship associated with the COVID-19 health crisis. Neighbor to Neighbor is a participating agency in this statewide program and is assisting with processing EMAP applications.
To qualify, homeowners must complete an application and demonstrate that they:
- Have experienced a COVID-related impact on their finances on or after January 21, 2020. The hardship could include job loss; reduction in income; reduction in hours worked, increased costs due to healthcare, increased costs due to the need to care for family members, or other issues that have impacted the household’s income.
- Are owner-occupants of a single-family home or condominium, or a 2- 3- or 4-family home located in Colorado. This does not include owner-occupied properties of 5 or more units, investor-owned properties, or vacation homes.
- Have an income equal to or less than 150% of Area Median Income for the county in which they reside currently(opens in new window), or at the time of COVID-related financial hardship.
- Have a loan under the conforming loan limits (non-jumbo loan) at the time of origination or most recent refinance (loan limits vary by region).
