The present invention relates to low VOC aqueous compositions with acid functional polymers and polyurethanes. The compositions enable excellent hardness in coating applications. The compositions comprise one or more copolymers, one or more polyurethane dispersoids composed of polyalcohol with high molecular weight, and one or more with coalescents with a normal boiling point of 190 DEG C or higher; wherein the copolymers comprise one or more acrylic monomers with a phosphorus acid-functional group, polymeric side chains containing multi-acid functional groups, a salt thereof or a combinationthereof as a copolymer unit.