FHA Loan Limits in Adams County, Colorado (2026)
In Adams County — anchored by Adams County — the 2026 FHA loan limit for a single-family home is $893,000. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $893,000 |
| Two-unit (duplex) | $1,143,287 |
| Three-unit (triplex) | $1,382,046 |
| Four-unit (fourplex) | $1,717,530 |
From Adams County to the edges of Adams County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Denver and Arapahoe Counties.
Affording a home in Adams County & Adams County
Homes around Adams County carry an estimated local median near $490,000, so an FHA buyer in Adams County puts down about $17,150 (3.5%). With Colorado's 0.51% effective property-tax rate, the all-in payment runs near $3,504 a month — comfortable on household income around $136,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Adams County
FHA payments across Adams County price points — from entry homes near Adams County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $353,000 | $12,355 | $2,557 |
| Local median — $490,000 | $17,150 | $3,504 |
| At the FHA limit — $893,000 | $31,255 | $6,290 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Adams County too — get notified.
First-time buyers make up much of FHA activity in Adams County and across Adams County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,150 needed on a median Adams County home.
Multi-unit FHA limits in Adams County
Adams County's 2026 multi-unit FHA limits reach $1,143,287 (duplex), $1,382,046 (triplex), and $1,717,530 (fourplex) — so a buyer in Adams County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Adams County for 2026?
- In Adams County (Adams County), the 2026 FHA limit is $893,000 for one unit, $1,143,287 for a duplex, $1,382,046 for a triplex, and $1,717,530 for a fourplex.
- What income do I need to buy in Adams County with FHA?
- For a median-priced ($490,000) Adams County home, plan on income around $136,000 at a 31% housing ratio — about $3,504/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Adams County?
- 3.5% with a 580+ score — roughly $17,150 on a $490,000 Adams County-area home. Gift funds are allowed.
- Is Adams County a high-cost FHA area?
- Yes — Adams County's $893,000 one-unit limit tops the $541,287 national floor.