FHA Loan Limits in Colorado (2026)
For 2026, the FHA loan limit in most Colorado counties is $541,287 for a single-family home. 6 higher-cost Colorado counties carry larger limit, up to $1,249,125.
FHA loan limits by county in Colorado
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| El Paso County | $541,287 | $692,997 | $1,041,072 | Standard |
| Denver County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Arapahoe County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Jefferson County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Adams County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Douglas County | $893,000 | $1,143,287 | $1,717,530 | High-cost |
| Larimer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Weld County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boulder County | $1,249,125 | $1,599,225 | $2,402,475 | High-cost |
| Broomfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| Garfield County | $541,287 | $692,997 | $1,041,072 | Standard |
| La Plata County | $541,287 | $692,997 | $1,041,072 | Standard |
| Eagle County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montrose County | $541,287 | $692,997 | $1,041,072 | Standard |
| Delta County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fremont County | $541,287 | $692,997 | $1,041,072 | Standard |
| Logan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Morgan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Summit County | $541,287 | $692,997 | $1,041,072 | Standard |
| Routt County | $541,287 | $692,997 | $1,041,072 | Standard |
| Montezuma County | $541,287 | $692,997 | $1,041,072 | Standard |
| Otero County | $541,287 | $692,997 | $1,041,072 | Standard |
| Pueblo County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mesa County | $541,287 | $692,997 | $1,041,072 | Standard |
Colorado's median home price is roughly $545,000. With 3.5% down, an example FHA payment near that price is about $4,125/month including MIP, taxes, and insurance.
Buying with an FHA loan in Colorado
FHA loans are popular with first-time buyers in Colorado because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Colorado for 2026?
- Most Colorado counties use the national FHA floor of $541,287 for a one-unit home. High-cost Colorado counties go higher, up to the ceiling of $1,249,125.
- What credit score do I need for an FHA loan in Colorado?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.