FHA Loan Limits in Colorado and FHA Loan Requirements

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:

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County Name	Area	1-Unit	2-Unit	3-Unit	4-Unit
ADAMS	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
ALAMOSA	NON-METRO	$331,760	$424,800	$513,450	$638,100
ARAPAHOE	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
ARCHULETA	NON-METRO	$331,760	$424,800	$513,450	$638,100
BACA	NON-METRO	$331,760	$424,800	$513,450	$638,100
BENT	NON-METRO	$331,760	$424,800	$513,450	$638,100
BOULDER	BOULDER, CO	$644,000	$824,450	$996,550	$1,238,500
BROOMFIELD	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
CHAFFEE	NON-METRO	$369,150	$472,550	$571,250	$709,900
CHEYENNE	NON-METRO	$331,760	$424,800	$513,450	$638,100
CLEAR CREEK	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
CONEJOS	NON-METRO	$331,760	$424,800	$513,450	$638,100
COSTILLA	NON-METRO	$331,760	$424,800	$513,450	$638,100
CROWLEY	NON-METRO	$331,760	$424,800	$513,450	$638,100
CUSTER	NON-METRO	$331,760	$424,800	$513,450	$638,100
DELTA	NON-METRO	$331,760	$424,800	$513,450	$638,100
DENVER	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
DOLORES	NON-METRO	$331,760	$424,800	$513,450	$638,100
DOUGLAS	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
EAGLE	EDWARDS, CO	$765,600	$980,325	$1,184,925	$1,472,550
EL PASO	COLORADO SPRINGS, CO	$356,500	$456,350	$551,650	$685,550
ELBERT	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
FREMONT	CANON CITY, CO	$331,760	$424,800	$513,450	$638,100
GARFIELD	GLENWOOD SPRINGS, CO	$765,600	$980,325	$1,184,925	$1,472,550
GILPIN	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
GRAND	NON-METRO	$473,800	$606,550	$733,150	$911,150
GUNNISON	NON-METRO	$371,450	$475,500	$574,800	$714,350
HINSDALE	NON-METRO	$427,800	$547,650	$662,000	$822,700
HUERFANO	NON-METRO	$331,760	$424,800	$513,450	$638,100
JACKSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
JEFFERSON	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
KIOWA	NON-METRO	$331,760	$424,800	$513,450	$638,100
KIT CARSON	NON-METRO	$331,760	$424,800	$513,450	$638,100
LA PLATA	DURANGO, CO	$422,050	$540,300	$653,100	$811,650
LAKE	NON-METRO	$331,760	$424,800	$513,450	$638,100
LARIMER	FORT COLLINS, CO	$454,250	$581,500	$702,900	$873,550
LAS ANIMAS	NON-METRO	$331,760	$424,800	$513,450	$638,100
LINCOLN	NON-METRO	$331,760	$424,800	$513,450	$638,100
LOGAN	STERLING, CO	$331,760	$424,800	$513,450	$638,100
MESA	GRAND JUNCTION, CO	$331,760	$424,800	$513,450	$638,100
MINERAL	NON-METRO	$331,760	$424,800	$513,450	$638,100
MOFFAT	CRAIG, CO	$331,760	$424,800	$513,450	$638,100
MONTEZUMA	NON-METRO	$331,760	$424,800	$513,450	$638,100
MONTROSE	MONTROSE, CO	$425,500	$544,700	$658,450	$818,250
MORGAN	FORT MORGAN, CO	$331,760	$424,800	$513,450	$638,100
OTERO	NON-METRO	$331,760	$424,800	$513,450	$638,100
OURAY	MONTROSE, CO	$425,500	$544,700	$658,450	$818,250
PARK	DENVER-AURORA-LAKEWOOD, CO	$575,000	$736,100	$889,800	$1,105,800
PHILLIPS	NON-METRO	$331,760	$424,800	$513,450	$638,100
PITKIN	GLENWOOD SPRINGS, CO	$765,600	$980,325	$1,184,925	$1,472,550
PROWERS	NON-METRO	$331,760	$424,800	$513,450	$638,100
PUEBLO	PUEBLO, CO	$331,760	$424,800	$513,450	$638,100
RIO BLANCO	NON-METRO	$331,760	$424,800	$513,450	$638,100
RIO GRANDE	NON-METRO	$331,760	$424,800	$513,450	$638,100
ROUTT	STEAMBOAT SPRINGS, CO	$638,250	$817,050	$987,650	$1,227,400
SAGUACHE	NON-METRO	$331,760	$424,800	$513,450	$638,100
SAN JUAN	NON-METRO	$331,760	$424,800	$513,450	$638,100
SAN MIGUEL	NON-METRO	$765,600	$980,325	$1,184,925	$1,472,550
SEDGWICK	NON-METRO	$331,760	$424,800	$513,450	$638,100
SUMMIT	BRECKENRIDGE, CO	$722,200	$924,550	$1,117,550	$1,388,850
TELLER	COLORADO SPRINGS, CO	$356,500	$456,350	$551,650	$685,550
WASHINGTON	NON-METRO	$331,760	$424,800	$513,450	$638,100
WELD	GREELEY, CO	$404,800	$518,200	$626,400	$778,450
YUMA	NON-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 Limits Mortgage 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

FHA Loan Limits for all 50 states
Conforming Loan Limits for all 50 states
Check Your FHA Loan Eligibility
Determine Your FHA Mortgage Payment Amount
Check Current FHA Mortgage Rates
FHA Loan Requirements
Understanding FHA Mortgage Insurance
FHA Payment Calculator
FHA Mortgage Insurance Calculator
FHA Upfront MIP Calculator
FHA Refinance Loans
FHA Streamline Refinance
FHA Cash-Out Refinance
Other Mortgage Options
Ask an FHA Mortgage Question
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