FHA Loan Limits in Arapahoe County, Colorado (2026)
Arapahoe County and the rest of Arapahoe County, Colorado fall under a 2026 one-unit FHA limit of $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 Arapahoe County to the edges of Arapahoe County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Denver and Jefferson Counties.
How much home can you afford in Arapahoe County?
Homes around Arapahoe County carry an estimated local median near $510,000, so an FHA buyer in Arapahoe County puts down about $17,850 (3.5%). With Colorado's 0.51% effective property-tax rate, the all-in payment runs near $3,642 a month — comfortable on household income around $141,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Arapahoe County
Whether you are buying in Arapahoe County or a smaller Arapahoe County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $367,000 | $12,845 | $2,654 |
| Local median — $510,000 | $17,850 | $3,642 |
| At the FHA limit — $893,000 | $31,255 | $6,290 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Arapahoe County too — get notified.
First-time buyers make up much of FHA activity in Arapahoe County and across Arapahoe County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $17,850 needed on a median Arapahoe County home.
Multi-unit FHA limits in Arapahoe County
Investors and house-hackers in Arapahoe County and across Arapahoe County can finance 2-4 unit homes with FHA at just 3.5% down: $1,143,287 for a duplex, $1,382,046 for a triplex, and $1,717,530 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Arapahoe County for 2026?
- In Arapahoe County (Arapahoe 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 Arapahoe County with FHA?
- For a median-priced ($510,000) Arapahoe County home, plan on income around $141,000 at a 31% housing ratio — about $3,642/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Arapahoe County?
- 3.5% with a 580+ score — roughly $17,850 on a $510,000 Arapahoe County-area home. Gift funds are allowed.
- Is Arapahoe County a high-cost FHA area?
- Yes — Arapahoe County's $893,000 one-unit limit tops the $541,287 national floor.