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Colorado FHA Loan Limits 2026: Every County, 1 to 4 Units
Find the 2026 Colorado FHA loan limit for your county before you shop. One-unit limits run from $541,287 in 35 floor counties up to $1,249,125 in the highest-cost market, straight from HUD's published file.
Colorado's 2026 FHA one-unit loan limits start at $541,287 in 35 of the state's 64 counties and climb to $1,249,125 in Eagle County ($1,249,125), Garfield County ($1,249,125), Pitkin County ($1,249,125), Lake County ($1,092,500), Summit County ($1,092,500), Moffat County ($1,089,050), where Front Range and mountain-resort prices push HUD's ceiling up. Duplex, triplex and fourplex limits are higher for owner-occupants.
- ✓64 Colorado counties, all published by HUD for 2026.
- ✓35 counties sit at the $541,287 national floor; 29 are higher.
- ✓Highest one-unit limit in Colorado: $1,249,125.
- ✓Limits cap the base loan amount, not the purchase price.
- ✓Down payment, credit and income rules still apply separately.
What this means for you: find your Colorado county below, compare it with your target price, and verify the current figure with HUD before making an offer.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
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Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: estimated payment breakdown, estimated cash to close, the loan structures that fit your file, and what documentation the file will need.
- Estimated monthly payment with taxes and insurance
- Estimated cash to close for your scenario
- Loan options your profile may fit
- Document checklist for your file
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Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.
Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Colorado FHA loan limit table, 2026
Figures come from HUD's published FHA forward-limits file. Select a county for local FHA guidance. These are HUD program limits, not a quote, lock, offer, or commitment to lend. Confirm your county on the official HUD lookup.
Colorado FHA loan limits by county (2026)
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Alamosa County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Arapahoe County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Archuleta County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Baca County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Bent County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Boulder County | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Broomfield County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Chaffee County | $713,000 | $912,750 | $1,103,350 | $1,371,150 |
| Cheyenne County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Clear Creek County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Conejos County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Costilla County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Crowley County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Custer County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Delta County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Denver County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Dolores County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Douglas County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Eagle County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Elbert County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| El Paso County | $541,650 | $693,400 | $838,150 | $1,041,650 |
| Fremont County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Garfield County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Gilpin County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Grand County | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 |
| Gunnison County | $747,500 | $956,950 | $1,156,700 | $1,437,500 |
| Hinsdale County | $563,500 | $721,400 | $872,000 | $1,083,650 |
| Huerfano County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jackson County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Jefferson County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Kiowa County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Kit Carson County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| La Plata County | $747,500 | $956,950 | $1,156,700 | $1,437,500 |
| Lake County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Larimer County | $634,800 | $812,650 | $982,300 | $1,220,800 |
| Las Animas County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Lincoln County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Logan County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Mesa County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Mineral County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Moffat County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Montezuma County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Montrose County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Morgan County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Otero County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Ouray County | $750,950 | $961,350 | $1,162,050 | $1,444,150 |
| Park County | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Phillips County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Pitkin County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Prowers County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Pueblo County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Rio Blanco County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Rio Grande County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Routt County | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| Saguache County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| San Juan County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| San Miguel County | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 |
| Sedgwick County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Summit County | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| Teller County | $541,650 | $693,400 | $838,150 | $1,041,650 |
| Washington County | $541,287 | $693,050 | $837,700 | $1,041,125 |
| Weld County | $575,000 | $736,100 | $889,800 | $1,105,800 |
| Yuma County | $541,287 | $693,050 | $837,700 | $1,041,125 |
How Colorado FHA loan limits are set
HUD sets each county's FHA limit from local median home prices, bounded by a national floor and ceiling that move with the FHFA conforming loan limit. In 2026 the one-unit floor is $541,287. 35 of Colorado's 64 counties use that floor because local prices are below the threshold; the other 29 have higher, county-specific limits. Counties that share a metropolitan area share the same limit.
Colorado's high-cost counties
Colorado's highest limits are in mountain resort counties such as Eagle, Pitkin, Garfield, Summit and Lake, where home prices are well above state averages. The Denver metro counties share one limit, and Boulder County has its own. Many Eastern Plains and southern counties use the national floor. Keep in mind that FHA is for primary residences, so these resort-county limits apply only when you will live in the home.
What the limit does and does not control
The county limit caps the base FHA loan amount. It is not a cap on the price of the home. If the price is higher, you can bring a larger down payment so the base loan fits, or compare a conventional or jumbo loan. The upfront mortgage insurance premium may be financed on top of the base loan under FHA rules. Credit, debt-to-income, property and occupancy requirements still apply separately and are subject to lender underwriting and approval.
Want these numbers built around your file?
A short request is all it takes to get a written scenario summary back from a Simply Approved Mortgages Loan Officer. Binding figures appear on your Loan Estimate.
Two- to four-unit properties
HUD publishes higher limits for two-, three- and four-unit homes. FHA requires you to live in one unit as your primary residence, which is why buyers use these limits for owner-occupied duplexes and small multifamily homes. Rental income rules for these properties are set by FHA and the lender.
When limits change
HUD publishes new limits each year, usually effective January 1 for new FHA case numbers. This page is rebuilt from HUD's file whenever a new calendar year is published, so the table and the figures in this summary stay in sync.
Simply Approved Mortgages LLC is a mortgage broker, not a direct lender, and is not affiliated with HUD or FHA. Educational information only.
What you can do with this loan
See the maximum FHA base loan for a Colorado county before you make an offer.
Decide whether a higher-priced home needs extra down payment or a different loan type.
Compare limits for owner-occupied duplexes, triplexes and fourplexes.
Compare neighboring counties when you are flexible on location.
Pros & cons — honest tradeoffs
Pros — Pros & cons
- +Higher limits in high-cost counties widen FHA access where homes cost more.
- +One table covers every Colorado county with links to local pages.
Cons / watch-outs — Pros & cons
- −Floor counties may not fit higher-priced homes without extra down payment.
- −Limits change yearly, so an older figure can be out of date.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Purchase market update
What buyers should know this month
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2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Limit caps the loan
The base FHA loan cannot exceed your county limit; the price can.
Multi-unit is higher
2-4 unit limits apply when you live in one unit.
Check yearly
HUD updates limits each calendar year.
Cost and payment tools
Run your payment, affordability, closing cost and refinance numbers
Monthly payment, affordability, closing costs, refinance break-even and early payoff, all on one screen. This page is not written for one state, so property tax, insurance and transfer or recording charges start at neutral placeholder assumptions rather than published averages — Transfer, documentary-stamp and recording charges are set by your state and county — enter your own figure, or open the state page for a sourced seed. Insurance and tax assumptions vary widely by state, county and property, so replace these starting values with quotes for your address. Every figure is an illustrative estimate, not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $20,000
- Loan amount
- $380,000
- Principal & interest
- $2,402
- Property tax
- $333/mo
- Homeowners insurance
- $167/mo
- Estimated total monthly
- $2,902/mo
Reference sources: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. This page does not target a single state, so the property tax and insurance fields start at neutral placeholder assumptions rather than published averages — replace them with figures for your own address, or open the matching state page for sourced seeds. Closing costs apply your state's transfer / documentary-stamp practice (0.00% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Colorado FHA loan limits 2026: common questions
Answers to the most common Colorado FHA loan limits 2026: common questions, written by licensed loan officers.
Ask SAM anything about mortgages
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
HUD
HUD FHA Mortgage Limits lookup
FHFA
FHFA Conforming Loan Limit Values
CFPB
CFPB: What is an FHA loan?
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
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Guide
FHA Loan Limits (National)
How HUD sets the floor and ceiling.
Read the guide →Guide
FHA Loans in Colorado
Statewide FHA requirements and process.
Read the guide →Guide
Florida FHA Loan Limits
County limits in our other licensed state.
Read the guide →Guide
Conforming Loan Limits
FHFA limits for conventional loans.
Read the guide →Guide
FHA Loan Calculator
Estimate an illustrative FHA payment.
Read the guide →Guide
FHA vs Conventional
When the limit changes your choice.
Read the guide →Internal library
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Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
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