What are FHA Loan Limits in Colorado?

FHA loans are a low down payment mortgage program and Colorado FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in Colorado are set at the floor amount of $275,665 across less than half its counties.

Colorado FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
ADAMSDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
ALAMOSANON-METRO$331,760$424,800$513,450$638,100
ARAPAHOEDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
ARCHULETANON-METRO$331,760$424,800$513,450$638,100
BACANON-METRO$331,760$424,800$513,450$638,100
BENTNON-METRO$331,760$424,800$513,450$638,100
BOULDERBOULDER, CO$644,000$824,450$996,550$1,238,500
BROOMFIELDDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
CHAFFEENON-METRO$369,150$472,550$571,250$709,900
CHEYENNENON-METRO$331,760$424,800$513,450$638,100
CLEAR CREEKDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
CONEJOSNON-METRO$331,760$424,800$513,450$638,100
COSTILLANON-METRO$331,760$424,800$513,450$638,100
CROWLEYNON-METRO$331,760$424,800$513,450$638,100
CUSTERNON-METRO$331,760$424,800$513,450$638,100
DELTANON-METRO$331,760$424,800$513,450$638,100
DENVERDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
DOLORESNON-METRO$331,760$424,800$513,450$638,100
DOUGLASDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
EAGLEEDWARDS, CO$765,600$980,325$1,184,925$1,472,550
EL PASOCOLORADO SPRINGS, CO$356,500$456,350$551,650$685,550
ELBERTDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
FREMONTCANON CITY, CO$331,760$424,800$513,450$638,100
GARFIELDGLENWOOD SPRINGS, CO$765,600$980,325$1,184,925$1,472,550
GILPINDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
GRANDNON-METRO$473,800$606,550$733,150$911,150
GUNNISONNON-METRO$371,450$475,500$574,800$714,350
HINSDALENON-METRO$427,800$547,650$662,000$822,700
HUERFANONON-METRO$331,760$424,800$513,450$638,100
JACKSONNON-METRO$331,760$424,800$513,450$638,100
JEFFERSONDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
KIOWANON-METRO$331,760$424,800$513,450$638,100
KIT CARSONNON-METRO$331,760$424,800$513,450$638,100
LA PLATADURANGO, CO$422,050$540,300$653,100$811,650
LAKENON-METRO$331,760$424,800$513,450$638,100
LARIMERFORT COLLINS, CO$454,250$581,500$702,900$873,550
LAS ANIMASNON-METRO$331,760$424,800$513,450$638,100
LINCOLNNON-METRO$331,760$424,800$513,450$638,100
LOGANSTERLING, CO$331,760$424,800$513,450$638,100
MESAGRAND JUNCTION, CO$331,760$424,800$513,450$638,100
MINERALNON-METRO$331,760$424,800$513,450$638,100
MOFFATCRAIG, CO$331,760$424,800$513,450$638,100
MONTEZUMANON-METRO$331,760$424,800$513,450$638,100
MONTROSEMONTROSE, CO$425,500$544,700$658,450$818,250
MORGANFORT MORGAN, CO$331,760$424,800$513,450$638,100
OTERONON-METRO$331,760$424,800$513,450$638,100
OURAYMONTROSE, CO$425,500$544,700$658,450$818,250
PARKDENVER-AURORA-LAKEWOOD, CO$575,000$736,100$889,800$1,105,800
PHILLIPSNON-METRO$331,760$424,800$513,450$638,100
PITKINGLENWOOD SPRINGS, CO$765,600$980,325$1,184,925$1,472,550
PROWERSNON-METRO$331,760$424,800$513,450$638,100
PUEBLOPUEBLO, CO$331,760$424,800$513,450$638,100
RIO BLANCONON-METRO$331,760$424,800$513,450$638,100
RIO GRANDENON-METRO$331,760$424,800$513,450$638,100
ROUTTSTEAMBOAT SPRINGS, CO$638,250$817,050$987,650$1,227,400
SAGUACHENON-METRO$331,760$424,800$513,450$638,100
SAN JUANNON-METRO$331,760$424,800$513,450$638,100
SAN MIGUELNON-METRO$765,600$980,325$1,184,925$1,472,550
SEDGWICKNON-METRO$331,760$424,800$513,450$638,100
SUMMITBRECKENRIDGE, CO$722,200$924,550$1,117,550$1,388,850
TELLERCOLORADO SPRINGS, CO$356,500$456,350$551,650$685,550
WASHINGTONNON-METRO$331,760$424,800$513,450$638,100
WELDGREELEY, CO$404,800$518,200$626,400$778,450
YUMANON-METRO$331,760$424,800$513,450$638,100

Colorado FHA loan limits can change at any time. Check back often to ensure accurate information.

How are Colorado FHA Limits Set?

Colorado FHA Loan LimitsMortgage limits for Colorado FHA loans are based on median housing prices for the particular county and Metropolitan Statistical Area (MSA). More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low cost areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

CO FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in CO is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in CO is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

Colorado FHA loan limits are set above the floor amount in Denver, Colorado Springs, Vail, Aurora, Grand Junction, Fort Collins and Pueblo. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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