Colorado FHA Lending 2026
ROBERT CASTLE MORTGAGE BROKER LENDING IN COLORADO SINCE 1997
COLORADO FHA LOAN LIMITS BY COUNTY 2026
2026 FHA Loan Limits
in Colorado
Official HUD-published FHA loan limits for all 64 Colorado counties — and how a 3.5% down payment could put your next home within reach.
What Are FHA Loan Limits?
FHA loan limits are the maximum loan amounts that the Federal Housing Administration (FHA) will insure for a given property in a given area. They are set annually by the U.S. Department of Housing and Urban Development (HUD) and vary by county based on local median home prices.
FHA loans are government-backed mortgages designed to help first-time buyers and those with less-than-perfect credit achieve homeownership. Because the FHA insures the loan — not makes it directly — lenders are willing to offer more flexible terms, including as little as 3.5% down with a credit score of 580 or higher.
Why FHA limits differ from conforming limits: FHA limits are set separately from Fannie Mae/Freddie Mac conforming limits and are generally lower in standard counties. HUD sets the FHA “floor” at 65% of the national conforming baseline and the “ceiling” at 150% for high-cost areas — the same ceiling as conforming loans.
2026 FHA Limit Key Numbers at a Glance
For 2026, HUD raised the FHA floor and ceiling limits to reflect continued home price appreciation. Colorado’s FHA limits span from the national floor up to the high-cost ceiling in mountain resort counties.
2026 FHA Loan Limits — All Colorado Counties
The table below shows official 2026 HUD FHA loan limits for all 64 Colorado counties, across all property types. High-cost counties are highlighted in green.
| County | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| Eagle ★ | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Pitkin ★ | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Garfield ★ | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 |
| Summit ★ | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Lake ★ | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Routt ★ | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Moffat ★ | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Grand ★ | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 |
| Boulder ★ | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Adams ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Arapahoe ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Broomfield ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Clear Creek ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Denver ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Douglas ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Elbert ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Gilpin ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Jefferson ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Park ★ | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Alamosa | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Archuleta | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Baca | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Bent | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Chaffee | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Cheyenne | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Conejos | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Costilla | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Crowley | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Custer | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Delta | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Dolores | $524,225 | $671,200 | $811,275 | $1,008,300 |
| El Paso | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Fremont | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Gunnison | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Hinsdale | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Huerfano | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Jackson | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Kiowa | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Kit Carson | $524,225 | $671,200 | $811,275 | $1,008,300 |
| La Plata | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Larimer | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Las Animas | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Lincoln | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Logan | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Mesa | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Mineral | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Montezuma | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Montrose | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Morgan | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Otero | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Ouray | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Phillips | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Prowers | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Pueblo | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Rio Blanco | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Rio Grande | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Saguache | $524,225 | $671,200 | $811,275 | $1,008,300 |
| San Juan | $524,225 | $671,200 | $811,275 | $1,008,300 |
| San Miguel | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Sedgwick | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Teller | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Washington | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Weld | $524,225 | $671,200 | $811,275 | $1,008,300 |
| Yuma | $524,225 | $671,200 | $811,275 | $1,008,300 |
| ★ High-cost county · Source: HUD / FHA · Effective January 1, 2026 · Limits apply to FHA-insured single-family mortgages | ||||
How Are FHA Loan Limits Calculated?
HUD sets FHA loan limits each year under the National Housing Act. The calculation ties FHA limits directly to the FHFA’s conforming loan limits — creating a consistent national framework with local flexibility for high-cost markets.
- FHFA sets the conforming baseline
HUD’s FHA limits are anchored to the FHFA conforming limit. For 2026, the conforming baseline is $832,750. - HUD establishes the FHA “floor”
The FHA floor equals 65% of the conforming baseline — for 2026 that is $524,225. Most Colorado counties without high home prices receive this floor limit. - High-cost areas receive elevated limits
Where 115% of the area median home price exceeds the floor, HUD raises the limit — up to the FHA “ceiling” of 150% of the conforming limit, or $1,249,125 for 2026. - New limits take effect January 1
HUD publishes a Mortgagee Letter each December detailing the new limits by county. Lenders apply the new limits to all FHA case numbers assigned from January 1 forward.
FHA vs. Conventional — Which Is Right for You?
Both FHA and conventional loans can be excellent options depending on your credit profile, down payment, and the purchase price. Here’s how they compare at a high level:
The right choice depends on your specific situation. Robert Castle compares FHA, conventional, and jumbo options across 50+ lenders — so you get the best rate and program for your county, credit score, and down payment. Call (970) 690-3883 for a no-obligation comparison.
Why Colorado Buyers Choose FHA Loans
FHA loans remain one of the most popular paths to homeownership in Colorado — especially for first-time buyers navigating the state’s competitive market. Here is what makes them attractive:
- Only 3.5% down with a 580+ credit score
- Down payment can come from gift funds or assistance programs
- More flexible debt-to-income ratio allowances
- Available to first-time and repeat buyers alike
- Works with Colorado state down payment assistance programs
- Competitive rates even with less-than-perfect credit
- Available on 1–4 unit owner-occupied properties
- High-cost limits allow FHA in Denver metro & mountain counties