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2019 FHA Loan Limits in Colorado

FHA loan limits in Colorado vary by county; but for single-family homes, they range from $314,827 in cities such as Grand Junction and Pueblo to $561,200 in metro Denver and up to $726,525 in Glenwood Springs.

Across the state, Colorado residents have much to enjoy in the great outdoors, from running and mountain biking to world-class skiing and hiking. While the fast-growing state was founded on industries such as mining and ranching, it now boasts active telecom, aviation and health care sectors, an active tourism industry, microbreweries and, as always, plenty of Wild West topography.

In Colorado, high-cost areas, as defined by the Federal Housing Administration, include Pitkin, Eagle, Garfield, San Miguel and Summit counties, home to popular ski and second-home resort destinations, such as Aspen, Vail and Glenwood Springs.

Still, Colorado is also home to lower-cost suburban and rural areas, as well as smaller cities, such as Pueblo where the median house price is now $166,000, according to the FHA. That’s far lower than $235,000, which is the nationwide price of a typical home, as estimated by the National Association of Realtors in late 2018.

Colorado FHA loan limits by county

FHA Loan Limits in Colorado
County Name One-Family Two-Family Three-Family Four-Family Median Sale Price
Adams $561,200 $718,450 $868,400 $1,079,250 $488,000
Alamosa $314,827 $403,125 $487,250 $605,525 $152,000
Arapahoe $561,200 $718,450 $868,400 $1,079,250 $488,000
Archuleta $314,827 $403,125 $487,250 $605,525 $229,000
Baca $314,827 $403,125 $487,250 $605,525 $40,000
Bent $314,827 $403,125 $487,250 $605,525 $58,000
Boulder $626,750 $802,350 $969,850 $1,205,300 $545,000
Broomfield $561,200 $718,450 $868,400 $1,079,250 $488,000
Chaffee $333,500 $426,950 $516,050 $641,350 $290,000
Cheyenne $314,827 $403,125 $487,250 $605,525 $36,000
Clear Creek $561,200 $718,450 $868,400 $1,079,250 $488,000
Conejos $314,827 $403,125 $487,250 $605,525 $125,000
Costilla $314,827 $403,125 $487,250 $605,525 $99,000
Crowley $314,827 $403,125 $487,250 $605,525 $30,000
Custer $314,827 $403,125 $487,250 $605,525 $175,000
Delta $314,827 $403,125 $487,250 $605,525 $184,000
Denver $561,200 $718,450 $868,400 $1,079,250 $488,000
Dolores $314,827 $403,125 $487,250 $605,525 $134,000
Douglas $561,200 $718,450 $868,400 $1,079,250 $488,000
Eagle $726,525 $930,300 $1,124,475 $1,397,400 $606,000
El Paso $339,250 $434,300 $524,950 $652,400 $295,000
Elbert $561,200 $718,450 $868,400 $1,079,250 $488,000
Fremont $314,827 $403,125 $487,250 $605,525 $168,000
Garfield $726,525 $930,300 $1,124,475 $1,397,400 $625,000
Gilpin $561,200 $718,450 $868,400 $1,079,250 $488,000
Grand $402,500 $515,250 $622,850 $774,050 $350,000
Gunnison $357,650 $457,850 $553,450 $687,800 $271,000
Hinsdale $427,800 $547,650 $662,000 $822,700 $327,000
Huerfano $314,827 $403,125 $487,250 $605,525 $110,000
Jackson $314,827 $403,125 $487,250 $605,525 $138,000
Jefferson $561,200 $718,450 $868,400 $1,079,250 $488,000
Kiowa $314,827 $403,125 $487,250 $605,525 $54,000
Kit Carson $314,827 $403,125 $487,250 $605,525 $147,000
La Plata $419,750 $537,350 $649,550 $807,200 $365,000
Lake $314,827 $403,125 $487,250 $605,525 $220,000
Larimer $437,000 $559,450 $676,200 $840,400 $380,000
Las Animas $314,827 $403,125 $487,250 $605,525 $100,000
Lincoln $314,827 $403,125 $487,250 $605,525 $128,000
Logan $314,827 $403,125 $487,250 $605,525 $138,000
Mesa $314,827 $403,125 $487,250 $605,525 $225,000
Mineral $314,827 $403,125 $487,250 $605,525 $195,000
Moffat $314,827 $403,125 $487,250 $605,525 $176,000
Montezuma $314,827 $403,125 $487,250 $605,525 $198,000
Montrose $314,827 $403,125 $487,250 $605,525 $220,000
Morgan $314,827 $403,125 $487,250 $605,525 $193,000
Otero $314,827 $403,125 $487,250 $605,525 $81,000
Ouray $425,500 $544,700 $658,450 $818,250 $270,000
Park $561,200 $718,450 $868,400 $1,079,250 $488,000
Phillips $314,827 $403,125 $487,250 $605,525 $99,000
Pitkin $726,525 $930,300 $1,124,475 $1,397,400 $625,000
Prowers $314,827 $403,125 $487,250 $605,525 $85,000
Pueblo $314,827 $403,125 $487,250 $605,525 $166,000
Rio Blanco $314,827 $403,125 $487,250 $605,525 $150,000
Rio Grande $314,827 $403,125 $487,250 $605,525 $135,000
Routt $634,800 $812,650 $982,300 $1,220,800 $480,000
Saguache $314,827 $403,125 $487,250 $605,525 $144,000
San Juan $314,827 $403,125 $487,250 $605,525 $175,000
San Miguel $726,525 $930,300 $1,124,475 $1,397,400 $493,000
Sedgwick $314,827 $403,125 $487,250 $605,525 $90,000
Summit $722,200 $924,550 $1,117,550 $1,388,850 $497,000
Teller $339,250 $434,300 $524,950 $652,400 $295,000
Washington $314,827 $403,125 $487,250 $605,525 $140,000
Weld $385,250 $493,200 $596,150 $740,850 $335,000
Yuma $314,827 $403,125 $487,250 $605,525 $135,000

How are FHA loan limits determined?

The U.S. Department of Housing and Urban Development (HUD) sets FHA loan limits based on the conforming loan limit — or how large of a mortgage Fannie Mae and Freddie Mac will purchase. In 2019, that limit is $484,350.

The FHA “floor” is the largest mortgage the agency will insure in most of the country and is set at $314,827 for 2019. The FHA “ceiling” applies to high-cost areas and is set at 150% of the conforming loan limit, or $726,525. Outside of a few exceptions, this is the highest mortgage the agency will insure for a single-family home. In other areas, loan limits fall somewhere between the FHA floor and ceiling.

Here are the 2019 standard FHA limits for all property types:

  • One-unit: $314,827
  • Two-unit: $403,125
  • Three-unit: $487,250
  • Four-unit: $605,525

Here are the 2019 standard FHA limits for high-cost areas:

  • One-unit: $726,525
  • Two-unit: $930,300
  • Three-unit: $1,124,475
  • Four-unit: $1,397,400

Do you qualify for an FHA loan in Colorado?

To qualify for an FHA loan, you’ll need to satisfy minimum credit scores and fulfill income and other requirements. To see what the loan limits are in Colorado, visit the FHA loan limits page. For more information and to compare loan offers, visit LendingTree’s FHA hub.

 

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