FHA Loan Limits in Douglas County, Colorado (2026)
Douglas County and the rest of Douglas 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 |
These 2026 limits apply throughout Douglas County, from Douglas County outward, and sit alongside the limits set for neighboring Denver and Arapahoe Counties.
How much home can you afford in Douglas County?
With Douglas County's median sale price estimated near $680,000 (think Douglas County), the FHA down payment is roughly $23,800. Factoring Colorado property taxes near 0.51%, expect about $4,817 monthly, pointing to income near $186,000 — above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Douglas County
FHA payments across Douglas County price points — from entry homes near Douglas County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $490,000 | $17,150 | $3,504 |
| Local median — $680,000 | $23,800 | $4,817 |
| At the FHA limit — $893,000 | $31,255 | $6,290 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Douglas County too — get notified.
In Douglas County and the surrounding Douglas County market, FHA's appeal is the math: $23,800 down on a $680,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Douglas County
Douglas 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 Douglas 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 Douglas County for 2026?
- In Douglas County (Douglas 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 Douglas County with FHA?
- For a median-priced ($680,000) Douglas County home, plan on income around $186,000 at a 31% housing ratio — about $4,817/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Douglas County?
- 3.5% with a 580+ score — roughly $23,800 on a $680,000 Douglas County-area home. Gift funds are allowed.
- Is Douglas County a high-cost FHA area?
- Yes — Douglas County's $893,000 one-unit limit tops the $541,287 national floor.