2026 FHA Loan Limits in Colorado
FHA loans help make home ownership more accessible to Colorado homebuyers with less-than-perfect credit or smaller down payments. These loans, backed by the Federal Housing Administration, have less stringent qualifications than other mortgages, but limit the amount you can finance depending on where you live.
In Colorado, 2026 FHA loan limits for single-family homes range from $541,287 in most counties up to $1,249,125 in pricier areas, such as Eagle, Garfield and Pitkin counties. This guide breaks down what you need to know about FHA loans in Colorado, including how to qualify and how much you can borrow.
Colorado FHA loan limits by county
| County name | One unit | Two units | Three units | Four units | Median sales price |
|---|---|---|---|---|---|
| ADAMS COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| ALAMOSA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| ARAPAHOE COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| ARCHULETA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $406,000 |
| BACA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $114,000 |
| BENT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $135,000 |
| BOULDER COUNTY | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | $765,000 |
| BROOMFIELD COUN | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| CHAFFEE COUNTY | $713,000 | $912,750 | $1,103,350 | $1,371,150 | $620,000 |
| CHEYENNE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $82,000 |
| CLEAR CREEK COU | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| CONEJOS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| COSTILLA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| CROWLEY COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $126,000 |
| CUSTER COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $250,000 |
| DELTA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $350,000 |
| DENVER COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| DOLORES COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $450,000 |
| DOUGLAS COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| EAGLE COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,225,000 |
| EL PASO COUNTY | $541,650 | $693,400 | $838,150 | $1,041,650 | $471,000 |
| ELBERT COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| FREMONT COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $298,000 |
| GARFIELD COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,000,000 |
| GILPIN COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| GRAND COUNTY | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | $768,000 |
| GUNNISON COUNTY | $747,500 | $956,950 | $1,156,700 | $1,437,500 | $584,000 |
| HINSDALE COUNTY | $563,500 | $721,400 | $872,000 | $1,083,650 | $490,000 |
| HUERFANO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $153,000 |
| JACKSON COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $289,000 |
| JEFFERSON COUNT | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| KIOWA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $64,000 |
| KIT CARSON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $225,000 |
| LA PLATA COUNTY | $747,500 | $956,950 | $1,156,700 | $1,437,500 | $650,000 |
| LAKE COUNTY | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | $950,000 |
| LARIMER COUNTY | $634,800 | $812,650 | $982,300 | $1,220,800 | $552,000 |
| LAS ANIMAS COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| LINCOLN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $198,000 |
| LOGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $219,000 |
| MESA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $400,000 |
| MINERAL COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $338,000 |
| MOFFAT COUNTY | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | $947,000 |
| MONTEZUMA COUNT | $541,287 | $693,050 | $837,700 | $1,041,125 | $330,000 |
| MONTROSE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $420,000 |
| MORGAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $335,000 |
| OTERO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $150,000 |
| OURAY COUNTY | $750,950 | $961,350 | $1,162,050 | $1,444,150 | $650,000 |
| PARK COUNTY | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $750,000 |
| PHILLIPS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $210,000 |
| PITKIN COUNTY | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,000,000 |
| PROWERS COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| PUEBLO COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $282,000 |
| RIO BLANCO COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $239,000 |
| RIO GRANDE COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $214,000 |
| ROUTT COUNTY | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | $947,000 |
| SAGUACHE COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $200,000 |
| SAN JUAN COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $410,000 |
| SAN MIGUEL COUN | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 | $650,000 |
| SEDGWICK COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $147,000 |
| SUMMIT COUNTY | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | $950,000 |
| TELLER COUNTY | $541,650 | $693,400 | $838,150 | $1,041,650 | $471,000 |
| WASHINGTON COUN | $541,287 | $693,050 | $837,700 | $1,041,125 | $230,000 |
| WELD COUNTY | $575,000 | $736,100 | $889,800 | $1,105,800 | $500,000 |
| YUMA COUNTY | $541,287 | $693,050 | $837,700 | $1,041,125 | $205,000 |
How are FHA loan limits determined?
The Federal Housing Administration revises FHA loan limits each year to reflect changing housing costs nationwide, based on a formula outlined in the National Housing Act (NHA). Because of this, the maximum amount you can borrow with an FHA loan is always a percentage of the national conforming loan limit set by the Federal Housing Finance Agency (FHFA) for conventional loans, or non-government-backed mortgages.
In 2026, the largest FHA loan you can get for a single-family home in most counties across the country, known as the loan limit “floor,” is $541,287 — or 65% of the national conforming loan limit of $832,750. But people living in more expensive areas can borrow up to the “ceiling” of $1,249,125, which is 150% of the national conforming loan limit.
Of Colorado’s 64 counties, only buyers in three — Eagle, Garfield and Pitkin — can access that top loan amount. Residents of an additional 26 of its counties, including Boulder, Denver, Park and Summit, will find their FHA loan limits fall somewhere between the floor and ceiling, while those in the remaining 35 counties can get FHA loans up to $541,287.
How to qualify for an FHA loan in Colorado
FHA loans have more relaxed mortgage requirements than conventional loans because of their government-backed status, but you still need to meet the following FHA loan criteria to qualify:
- Minimum credit score of 500: You can qualify for an FHA with a credit score as low as 500; however, if you want to take advantage of the program’s 3.5% down payment, you’ll need a score of 580 or more. (Borrowers with scores between 500 and 579 must put at least 10% down.)
- Down payment of 3.5%: The minimum down payment required for an FHA loan is 3.5% if your credit score is 580 or higher. If your score falls between 500 and 579, the minimum down payment is 10%.
- Maximum debt-to-income ratio of 43%: Lenders calculate your debt-to-income (DTI) ratio by dividing your total monthly debt by your pre-tax monthly income to see how much of your income goes toward debt repayment. A lower DTI ratio signals less risk to lenders. The FHA typically approves borrowers with a DTI ratio of 43% or less, though you may still qualify with a higher ratio if you have a strong credit score or substantial cash reserves.
- Primary residence occupancy: You must live in the property as your primary residence for at least one year. You can’t purchase a vacation home or rental property with an FHA loan.
- Stable income history: While FHA loans come with no income limits or requirements, you’ll still need to show lenders at least two years of steady employment through pay stubs, W-2s or 1099s.
- FHA mortgage insurance: FHA loans require an upfront mortgage insurance premium equal to 1.75% of the total loan amount (typically financed with the mortgage principal) and an annual premium ranging from 0.15% to 0.75% of the total loan amount, spread across the monthly mortgage payments.
- FHA appraisal: Any home purchased with an FHA loan must undergo and pass an FHA appraisal verifying the property’s value, condition and safety.
Buying a multifamily property with an FHA loan
Borrowers can use an FHA loan to purchase a multifamily property with two to four housing units. These residential mortgages are similar to single-family FHA loans but offer higher loan limits that increase with each additional unit. To qualify for a multi-unit FHA loan, you’ll need to meet the following requirements:
- Credit score of at least 500: You’ll need to make a down payment of 10% or more with a score this low. Borrowers with scores of 580 or higher can put down just 3.5%.
- Minimum 3.5% down payment: If your credit score is less than 580, you must put down 10% or more.
- Debt-to-income ratio of 43% or less: To get an FHA loan, your DTI ratio should be at or below 43%. If your ratio is higher, you can still qualify, but you’ll need a strong credit score and cash reserves.
- Live in one of the units: You must live in one of the units for at least one year to qualify for the loan, though you may rent out the remaining units, sometimes called house hacking.
- Cash reserves: Lenders may require cash reserves when buying a multifamily home with an FHA loan.
FHA loan limits for multifamily homes in Colorado go up to $2,402,625, depending on the size and county:
| Number of units | Low-cost FHA loan limit |
|---|---|
| Two | $693,050 |
| Three | $837,700 |
| Four | $1,041,125 |
FHA lenders in Colorado
| Lender | LendingTree rating | Min. FHA credit score | |
|---|---|---|---|
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 | ||
 | 580 |
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