Colorado Conforming Loan Limits in 2022 For All Counties

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This page includes all Colorado county conforming loan limits for 2022, as well as some information about why such caps are established. Home loans that exceed the maximum amounts displayed below are considered “jumbo” mortgages.

The 2022 conforming loan limit for most counties in Colorado is set at $647,200, an increase over the 2021 cap of $548,250. In the more expensive counties of Colorado, the single-family loan limits in 2022 are higher, as is outlined in the chart below.

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2022 Conforming Loan Limits for Colorado

The table below shows conforming loan limits for all Colorado counties and for all unit types. Keep in mind that a single-family residence is referred to as a 1-unit property below, so if you are thinking of buying a single-family home in 2022, refer to the 1-unit column below. Duplexes are referred to as 2-unit properties, triplexes are referred to as 3-unit properties, and multi-plexes are referred to as 4-unit properties below.

County Name1-Unit2-Units3-Units4-Units
ADAMS$684,250$875,950$1,058,850$1,315,900
ALAMOSA$647,200$828,700$1,001,650$1,244,850
ARAPAHOE$684,250$875,950$1,058,850$1,315,900
ARCHULETA$647,200$828,700$1,001,650$1,244,850
BACA$647,200$828,700$1,001,650$1,244,850
BENT$647,200$828,700$1,001,650$1,244,850
BOULDER$747,500$956,950$1,156,700$1,437,500
BROOMFIELD$684,250$875,950$1,058,850$1,315,900
CHAFFEE$647,200$828,700$1,001,650$1,244,850
CHEYENNE$647,200$828,700$1,001,650$1,244,850
CLEAR CREEK$684,250$875,950$1,058,850$1,315,900
CONEJOS$647,200$828,700$1,001,650$1,244,850
COSTILLA$647,200$828,700$1,001,650$1,244,850
CROWLEY$647,200$828,700$1,001,650$1,244,850
CUSTER$647,200$828,700$1,001,650$1,244,850
DELTA$647,200$828,700$1,001,650$1,244,850
DENVER$684,250$875,950$1,058,850$1,315,900
DOLORES$647,200$828,700$1,001,650$1,244,850
DOUGLAS$684,250$875,950$1,058,850$1,315,900
EAGLE$862,500$1,104,150$1,334,700$1,658,700
ELBERT$684,250$875,950$1,058,850$1,315,900
EL PASO$647,200$828,700$1,001,650$1,244,850
FREMONT$647,200$828,700$1,001,650$1,244,850
GARFIELD$856,750$1,096,800$1,325,800$1,647,650
GILPIN$647,200$875,950$1,058,850$1,315,900
GRAND$647,200$828,700$1,001,650$1,244,850
GUNNISON$647,200$828,700$1,001,650$1,244,850
HINSDALE$647,200$828,700$1,001,650$1,244,850
HUERFANO$647,200$828,700$1,001,650$1,244,850
JACKSON$647,200$828,700$1,001,650$1,244,850
JEFFERSON$684,250$875,950$1,058,850$1,315,900
KIOWA$647,200$828,700$1,001,650$1,244,850
KIT CARSON$647,200$828,700$1,001,650$1,244,850
LAKE$647,200$828,700$1,001,650$1,244,850
LA PLATA$647,200$828,700$1,001,650$1,244,850
LARIMER$647,200$828,700$1,001,650$1,244,850
LAS ANIMAS$647,200$828,700$1,001,650$1,244,850
LINCOLN$647,200$828,700$1,001,650$1,244,850
LOGAN$647,200$828,700$1,001,650$1,244,850
MESA$647,200$828,700$1,001,650$1,244,850
MINERAL$647,200$828,700$1,001,650$1,244,850
MOFFAT$647,200$828,700$1,001,650$1,244,850
MONTEZUMA$647,200$828,700$1,001,650$1,244,850
MONTROSE$647,200$828,700$1,001,650$1,244,850
MORGAN$647,200$828,700$1,001,650$1,244,850
OTERO$647,200$828,700$1,001,650$1,244,850
OURAY$647,200$828,700$1,001,650$1,244,850
PARK$684,250$875,950$1,058,850$1,315,900
PHILLIPS$647,200$828,700$1,001,650$1,244,850
PITKIN$856,750$1,096,800$1,325,800$1,647,650
PROWERS$647,200$828,700$1,001,650$1,244,850
PUEBLO$647,200$828,700$1,001,650$1,244,850
RIO BLANCO$647,200$828,700$1,001,650$1,244,850
RIO GRANDE$647,200$828,700$1,001,650$1,244,850
ROUTT$678,500$868,600$1,049,950$1,304,850
SAGUACHE$647,200$828,700$1,001,650$1,244,850
SAN JUAN$647,200$828,700$1,001,650$1,244,850
SAN MIGUEL$756,700$968,700$1,170,950$1,455,200
SEDGWICK$647,200$828,700$1,001,650$1,244,850
SUMMIT$822,375$1,053,000$1,272,750$1,581,750
TELLER$647,200$828,700$1,001,650$1,244,850
WASHINGTON$647,200$828,700$1,001,650$1,244,850
WELD$647,200$828,700$1,001,650$1,244,850
YUMA$647,200$828,700$1,001,650$1,244,850

How These Limits Are Set

Colorado conforming loan limits are established by the Federal Housing Finance Agency (FHFA), which is required to track average home prices in Colorado and the rest of the country. The FHFA is also required to adjust the baseline conforming loan limit every year as needed to reflect fluctuations in home values.

As such, if home prices increase quite a bit, the FHFA will likely increase the corresponding conforming loan limits to keep pace with an increase in home values. Conforming limits are generally set at 115% of the average price of homes in each area, though they can go above this level in high-cost centers.

In 2022, the conforming limit for most counties in Colorado is $647,200. There are a few exceptions, however, in which the loan limits are much higher than this, which can be seen in the chart above.

Check out our mortgage loan limit tool for conventional, FHA, and VA loans.

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Why Loan Limits Were Increased for 2022

As mentioned earlier, an increase in home prices is the main reason why conforming loan limits increase every year. In Colorado, the median home price reached $522,970 as of November 2021, which was an increase of 21.9% from the same time the previous year.

In different parts of the state, the increase in prices was even higher, such as in Colorado Springs which saw an increase in home prices of 29.0% over 2021, reaching $446,648 by year-end.

In response to these increases, the conforming loan limits have also increased.

According to a recent news release from FHFA:

“The Federal Housing Finance Agency (FHFA) today announced the conforming loan limits (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2022. In most of the U.S., the 2022 CLL for one-unit properties will be $647,200, an increase of $98,950 from $548,250 in 2021.”

With the exception of a few, most counties across the nation are seeing higher loan limits in 2022 compared to 2021.

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