2026 Conforming Loan Limits
in Colorado — All 64 Counties

The baseline 2026 conforming loan limit in Colorado is $832,750 for a single-family home. High-cost counties have higher limits ranging from $862,500 (Denver metro) up to $1,249,125 (Eagle County).

Twenty Colorado counties have limits above the $832,750 baseline: Eagle, Pitkin, Garfield, Summit, Lake, Routt, Moffat, Grand, Boulder, Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park.

Denver County’s 2026 conforming loan limit is $862,500 for a single-family home. All nine Denver metro counties share this elevated limit.

Most lenders require a minimum score of 620. For the best rates and lowest PMI, aim for 740+. Robert Castle works with 50+ lenders across the full credit spectrum.

3% for first-time buyers using HomeReady or Home Possible programs. 5% for repeat buyers on standard conventional loans. Twenty percent eliminates PMI entirely.

The baseline increased from $806,500 to $832,750 — a gain of $26,250 (3.26%). High-cost county limits also increased proportionally based on the same FHFA House Price Index calculation.

A high-balance loan exceeds the national baseline but falls within a high-cost county’s elevated FHFA limit. In Colorado this applies to loans between $832,750 and $1,249,125 in qualifying counties — offering conforming-style rates without going full jumbo.

In baseline Colorado counties: duplex $1,066,250 · triplex $1,288,800 · fourplex $1,601,750. High-cost counties have higher multi-unit limits shown in the full table above.

Eagle County (Vail, Avon, Eagle) has the highest conforming loan limit in Colorado at $1,249,125 for a single-family home in 2026 — the national ceiling of 150% of the baseline.

FHA limits are set separately by HUD and are slightly lower in most Colorado counties. VA loans for veterans with full entitlement have no loan limit at all — one of the most powerful benefits of the VA program.

Yes. Fort Collins is in Larimer County, which has the $832,750 baseline limit. With 3% down, you can purchase a home priced up to approximately $858,500 using a conventional conforming loan.

A local broker like Robert Castle shops 50+ lenders simultaneously with one soft pull, returning the best rate available for your situation. Banks can only offer their own products — one rate, take it or leave it.