FHA Loan Limits in Larimer County, Colorado (2026)
Buying in Larimer County or elsewhere in Larimer County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Mountain West.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Larimer County, from Larimer County outward, and sit alongside the limits set for neighboring Denver and Arapahoe Counties.
FHA affordability around Larimer County
Homes around Larimer County carry an estimated local median near $560,000, so an FHA buyer in Larimer County puts down about $18,945 (3.5%). With Colorado's 0.51% effective property-tax rate, the all-in payment runs near $3,859 a month — comfortable on household income around $149,000, above Colorado's $87,598 median household income, so budget carefully.
FHA payment scenarios in Larimer County
FHA payments across Larimer County price points — from entry homes near Larimer County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,903 |
| Local median — $541,287 | $18,945 | $3,859 |
| At the FHA limit — $541,287 | $18,945 | $3,859 |
Estimates include FHA MIP plus Colorado property taxes and insurance. Rates move daily near Larimer County too — get notified.
In Larimer County and the surrounding Larimer County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Larimer County
Larimer County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Larimer 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 Larimer County for 2026?
- In Larimer County (Larimer County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Larimer County with FHA?
- For a median-priced ($541,287) Larimer County home, plan on income around $149,000 at a 31% housing ratio — about $3,859/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Larimer County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Larimer County-area home. Gift funds are allowed.
- Is Larimer County a high-cost FHA area?
- No — Larimer County uses the $541,287 national floor for one unit.