FHA Loan Limits in Denver County, Colorado (2026)
Buying in Denver County or elsewhere in Denver County? The 2026 FHA single-family limit across the county 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 |
These 2026 limits apply throughout Denver County, from Denver County outward, and sit alongside the limits set for neighboring Arapahoe and Jefferson Counties.
FHA affordability around Denver County
With Denver County's median sale price estimated near $580,000 (think Denver County), the FHA down payment is roughly $20,300. Factoring Colorado property taxes near 0.51%, expect about $4,126 monthly, pointing to income near $160,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Denver County
Here is what an FHA payment looks like at three Denver County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $418,000 | $14,630 | $3,006 |
| Local median — $580,000 | $20,300 | $4,126 |
| At the FHA limit — $893,000 | $31,255 | $6,290 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Denver County too — get notified.
In Denver County and the surrounding Denver County market, FHA's appeal is the math: $20,300 down on a $580,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Denver County
Looking at a duplex or fourplex near Denver County? FHA allows up to $1,143,287 on two units and $1,717,530 on four in Denver County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Denver County for 2026?
- In Denver County (Denver 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 Denver County with FHA?
- For a median-priced ($580,000) Denver County home, plan on income around $160,000 at a 31% housing ratio — about $4,126/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Denver County?
- 3.5% with a 580+ score — roughly $20,300 on a $580,000 Denver County-area home. Gift funds are allowed.
- Is Denver County a high-cost FHA area?
- Yes — Denver County's $893,000 one-unit limit tops the $541,287 national floor.