Colorado Conforming Loan Limits in 2023 For All Counties

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This page includes all Colorado county conforming loan limits for 2023, 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 2023 conforming loan limit for most counties in Colorado is set at $726,200, an increase over the 2022 cap of $647,200. In the more expensive counties of Colorado, the single-family loan limits in 2023 are higher, as is outlined in the chart below.

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2023 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 2023, 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$787,750$1,008,450$1,219,000$1,514,950
ALAMOSA$726,200$929,850$1,123,900$1,396,800
ARAPAHOE$787,750$1,008,450$1,219,000$1,514,950
ARCHULETA$726,200$929,850$1,123,900$1,396,800
BACA$726,200$929,850$1,123,900$1,396,800
BENT$726,200$929,850$1,123,900$1,396,800
BOULDER$856,750$1,096,800$1,325,800$1,647,650
BROOMFIELD$787,750$1,008,450$1,219,000$1,514,950
CHAFFEE$726,200$929,850$1,123,900$1,396,800
CHEYENNE$726,200$929,850$1,123,900$1,396,800
CLEAR CREEK$787,750$1,008,450$1,219,000$1,514,950
CONEJOS$726,200$929,850$1,123,900$1,396,800
COSTILLA$726,200$929,850$1,123,900$1,396,800
CROWLEY$726,200$929,850$1,123,900$1,396,800
CUSTER$726,200$929,850$1,123,900$1,396,800
DELTA$726,200$929,850$1,123,900$1,396,800
DENVER$787,750$1,008,450$1,219,000$1,514,950
DOLORES$726,200$929,850$1,123,900$1,396,800
DOUGLAS$787,750$1,008,450$1,219,000$1,514,950
EAGLE$1,075,250$1,376,550$1,663,900$2,067,850
ELBERT$787,750$1,008,450$1,219,000$1,514,950
EL PASO$726,200$929,850$1,123,900$1,396,800
FREMONT$726,200$929,850$1,123,900$1,396,800
GARFIELD$948,750$1,214,600$1,468,150$1,824,550
GILPIN$787,750$1,008,450$1,219,000$1,514,950
GRAND$726,200$929,850$1,123,900$1,396,800
GUNNISON$726,200$929,850$1,123,900$1,396,800
HINSDALE$726,200$929,850$1,123,900$1,396,800
HUERFANO$726,200$929,850$1,123,900$1,396,800
JACKSON$726,200$929,850$1,123,900$1,396,800
JEFFERSON$787,750$1,008,450$1,219,000$1,514,950
KIOWA$726,200$929,850$1,123,900$1,396,800
KIT CARSON$726,200$929,850$1,123,900$1,396,800
LAKE$726,200$929,850$1,123,900$1,396,800
LA PLATA$726,200$929,850$1,123,900$1,396,800
LARIMER$726,200$929,850$1,123,900$1,396,800
LAS ANIMAS$726,200$929,850$1,123,900$1,396,800
LINCOLN$726,200$929,850$1,123,900$1,396,800
LOGAN$726,200$929,850$1,123,900$1,396,800
MESA$726,200$929,850$1,123,900$1,396,800
MINERAL$726,200$929,850$1,123,900$1,396,800
MOFFAT$726,200$929,850$1,123,900$1,396,800
MONTEZUMA$726,200$929,850$1,123,900$1,396,800
MONTROSE$726,200$929,850$1,123,900$1,396,800
MORGAN$726,200$929,850$1,123,900$1,396,800
OTERO$726,200$929,850$1,123,900$1,396,800
OURAY$726,200$929,850$1,123,900$1,396,800
PARK$787,750$1,008,450$1,219,000$1,514,950
PHILLIPS$726,200$929,850$1,123,900$1,396,800
PITKIN$948,750$1,214,600$1,468,150$1,824,550
PROWERS$726,200$929,850$1,123,900$1,396,800
PUEBLO$726,200$929,850$1,123,900$1,396,800
RIO BLANCO$726,200$929,850$1,123,900$1,396,800
RIO GRANDE$726,200$929,850$1,123,900$1,396,800
ROUTT$845,250$1,082,100$1,308,000$1,625,500
SAGUACHE$726,200$929,850$1,123,900$1,396,800
SAN JUAN$726,200$929,850$1,123,900$1,396,800
SAN MIGUEL$862,500$1,104,150$1,334,700$1,658,700
SEDGWICK$726,200$929,850$1,123,900$1,396,800
SUMMIT$953,350$1,220,450$1,475,250$1,833,400
TELLER$726,200$929,850$1,123,900$1,396,800
WASHINGTON$726,200$929,850$1,123,900$1,396,800
WELD$726,200$929,850$1,123,900$1,396,800
YUMA$726,200$929,850$1,123,900$1,396,800

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 2023, the conforming limit for most counties in Colorado is $726,200. 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 2023

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 $575,013 as of December 2022, which was an increase of 10.9% 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 7.5% over 2022, reaching $476,721 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 limit values (CLLs) for mortgages to be acquired by Fannie Mae and Freddie Mac (the Enterprises) in 2023. In most of the United States, the 2023 CLL value for one-unit properties will be $726,200, an increase of $79,000 from $647,200 in 2022.​”

With the exception of a few, most counties across the nation are seeing higher loan limits in 2023 compared to 2022.

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