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FHA loan limits for 2026 for Colorado has recently been released. What are these new numbers, and how do they affect you?
2026 | Denver County | 1-Unit (Single Family)
* The Blue Water Navy Vietnam Veterans Act of 2019 repealed VA loan limits starting January 1, 2020. Lenders may impose their own limits, however. Ask your lender about their maximum VA loan amount before applying.FHA loan limits for 2026 for Colorado has recently been released. What are these new numbers, and how do they affect you?
Every year, the Department of Housing and Urban Development (HUD) establishes new FHA loan limits for Colorado. Below, you will find the 2026 FHA loan limits for all counties in Colorado for all types of properties. Thanks to an increase in median home prices across the state throughout the year, these loan limits have been increased for 2026, and range from $541,287 to $1,249,125.
Note: In the table below, a “1-unit” property refers to a single-family home, a “2-unit” property refers to duplexes with two units, a “3-unit” property refers to a triplex, and a “4-unit” property refers to a multi-family complex. If you are buying a single-family home, refer to the one-family column below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ALAMOSA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ARAPAHOE | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ARCHULETA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BACA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BENT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| BOULDER | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| BROOMFIELD | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| CHAFFEE | $713,000 | $912,750 | $1,103,350 | $1,371,150 |
| CHEYENNE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CLEAR CREEK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| CONEJOS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| COSTILLA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CROWLEY | $541,287 | $693,050 | $837,700 | $1,041,125 |
| CUSTER | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DELTA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DENVER | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| DOLORES | $541,287 | $693,050 | $837,700 | $1,041,125 |
| DOUGLAS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| EAGLE | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| EL PASO | $541,650 | $693,400 | $838,150 | $1,041,650 |
| ELBERT | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| FREMONT | $541,287 | $693,050 | $837,700 | $1,041,125 |
| GARFIELD | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| GILPIN | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| GRAND | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 |
| GUNNISON | $747,500 | $956,950 | $1,156,700 | $1,437,500 |
| HINSDALE | $563,500 | $721,400 | $872,000 | $1,083,650 |
| HUERFANO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JACKSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| JEFFERSON | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| KIOWA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| KIT CARSON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LA PLATA | $747,500 | $956,950 | $1,156,700 | $1,437,500 |
| LAKE | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| LARIMER | $634,800 | $812,650 | $982,300 | $1,220,800 |
| LAS ANIMAS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LINCOLN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| LOGAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MESA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MINERAL | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MOFFAT | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| MONTEZUMA | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MONTROSE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| MORGAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| OTERO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| OURAY | $750,950 | $961,350 | $1,162,050 | $1,444,150 |
| PARK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| PHILLIPS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PITKIN | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| PROWERS | $541,287 | $693,050 | $837,700 | $1,041,125 |
| PUEBLO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RIO BLANCO | $541,287 | $693,050 | $837,700 | $1,041,125 |
| RIO GRANDE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| ROUTT | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 |
| SAGUACHE | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SAN JUAN | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SAN MIGUEL | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 |
| SEDGWICK | $541,287 | $693,050 | $837,700 | $1,041,125 |
| SUMMIT | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 |
| TELLER | $541,650 | $693,400 | $838,150 | $1,041,650 |
| WASHINGTON | $541,287 | $693,050 | $837,700 | $1,041,125 |
| WELD | $575,000 | $736,100 | $889,800 | $1,105,800 |
| YUMA | $541,287 | $693,050 | $837,700 | $1,041,125 |
The Department of Housing and Urban Development (FHA) assesses the FHA loan limits for counties across the US and compares them to median home prices. The limits are typically increased every year to reflect an increase in home prices.
In December 2025, the HUD announced that Colorado FHA loan limits would be increasing for 2026.
These changes reflect home-price gains that took place across the state throughout 2025. Property values in Colorado have been increasing at a healthy pace over the years, despite seeing a dip over the past 12 months. From December 2024 to December 2025, the price of homes in Colorado decreased 2.3% to $535,778. Despite this, loan limits have increased for 2026.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans.
The FHA loan program is designed to be easier for borrowers to get approved for thanks to its lower minimum credit score required and the low down payment option of only 3.5%. This Colorado FHA loan program is particularly popular with first-time buyers who don’t have the funds needed for a larger down payment.
If you’re in the market for an FHA home loan in Colorado in 2026, or if you have questions regarding FHA loan limits in Colorado, please contact us today. We can help you select the appropriate loan type for your specific needs.
At Sammamish Mortgage, we offer a wide variety of mortgage programs and tools with flexible qualification criteria, including our Diamond Homebuyer Program, Cash Buyer Program, and Bridge Loans. We have been serving the entire state since 1992, as well as the broader Pacific Northwest region that includes Washington, Oregon, Colorado, and Idaho. Please contact us today with any financing-related questions you have.
Yes, each of Colorado’s 64 counties has its own FHA loan limit based on local housing prices.
Yes, FHA limits rise with the number of units, from single-family homes to fourplexes.
Yes, FHA loans can be used for two-unit properties, with higher limits than single-family homes.
Yes, the Department of Housing and Urban Development (HUD) updates FHA loan limits each year based on market data.
Yes, FHA loans are available in all 64 counties across Colorado.
Yes, FHA loans can be used for approved condominium units that meet HUD guidelines.
No, FHA loans cannot exceed the county-specific limit for the property type.
Yes, FHA loans require upfront and monthly mortgage insurance premiums.
Yes, FHA guidelines allow gift funds for down payments and closing costs.
Yes, most lenders require a credit score of at least 580 for FHA loans.
Yes, FHA loans are available for manufactured homes that meet HUD standards.
Yes, the FHA 203(k) program allows financing for purchase and renovation.
Yes, exceeding the limit disqualifies the loan from FHA backing.
Sammamish Mortgage offers jumbo loans with low $1 lender fees, competitive interest rates, personalized service, and in-house underwriting — ideal for financing luxury homes.
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.