Colorado FHA Loan Limits for 2021 – All Counties

View limits for VA | FHA | Conforming

FHA loan limits for 2021 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 2021 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 2021.

Colorado FHA Loan Limits 2021

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 $596,850 $764,050 $923,600 $1,147,800
ALAMOSA $356,362 $456,275 $551,500 $685,400
ARAPAHOE $596,850 $764,050 $923,600 $1,147,800
ARCHULETA $356,362 $456,275 $551,500 $685,400
BACA $356,362 $456,275 $551,500 $685,400
BENT $356,362 $456,275 $551,500 $685,400
BOULDER $654,350 $837,700 $1,012,550 $1,258,400
BROOMFIELD $596,850 $764,050 $923,600 $1,147,800
CHAFFEE $391,000 $500,550 $605,050 $751,900
CHEYENNE $356,362 $456,275 $551,500 $685,400
CLEAR CREEK $596,850 $764,050 $923,600 $1,147,800
CONEJOS $356,362 $456,275 $551,500 $685,400
COSTILLA $356,362 $456,275 $551,500 $685,400
CROWLEY $356,362 $456,275 $551,500 $685,400
CUSTER $356,362 $456,275 $551,500 $685,400
DELTA $356,362 $456,275 $551,500 $685,400
DENVER $596,850 $764,050 $923,600 $1,147,800
DOLORES $356,362 $456,275 $551,500 $685,400
DOUGLAS $596,850 $764,050 $923,600 $1,147,800
EAGLE $822,250 $1,052,650 $1,272,400 $1,581,300
EL PASO $393,300 $503,500 $608,600 $756,350
ELBERT $596,850 $764,050 $923,600 $1,147,800
FREMONT $356,362 $456,275 $551,500 $685,400
GARFIELD $822,375 $1,053,000 $1,272,750 $1,581,750
GILPIN $596,850 $764,050 $923,600 $1,147,800
GRAND $529,000 $677,200 $818,600 $1,017,300
GUNNISON $408,250 $522,600 $631,750 $785,100
HINSDALE $427,800 $547,650 $662,000 $822,700
HUERFANO $356,362 $456,275 $551,500 $685,400
JACKSON $356,362 $456,275 $551,500 $685,400
JEFFERSON $596,850 $764,050 $923,600 $1,147,800
KIOWA $356,362 $456,275 $551,500 $685,400
KIT CARSON $356,362 $456,275 $551,500 $685,400
LA PLATA $448,500 $574,150 $694,000 $862,500
LAKE $356,362 $456,275 $551,500 $685,400
LARIMER $464,600 $594,750 $718,950 $893,450
LAS ANIMAS $356,362 $456,275 $551,500 $685,400
LINCOLN $356,362 $456,275 $551,500 $685,400
LOGAN $356,362 $456,275 $551,500 $685,400
MESA $356,362 $456,275 $551,500 $685,400
MINERAL $356,362 $456,275 $551,500 $685,400
MOFFAT $356,362 $456,275 $551,500 $685,400
MONTEZUMA $356,362 $456,275 $551,500 $685,400
MONTROSE $425,500 $544,700 $658,450 $818,250
MORGAN $356,362 $456,275 $551,500 $685,400
OTERO $356,362 $456,275 $551,500 $685,400
OURAY $425,500 $544,700 $658,450 $818,250
PARK $596,850 $764,050 $923,600 $1,147,800
PHILLIPS $356,362 $456,275 $551,500 $685,400
PITKIN $822,375 $1,053,000 $1,272,750 $1,581,750

Live Colorado Mortgage Rates May, 17, Mon, 2021

Increase in Home Prices Brings Higher Loan Limits

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. This is exactly what happened throughout 2020 with FHA loan limits in Colorado.

In December 2020, the HUD announced that Colorado FHA loan limits would be increasing for 2021.

These changes reflect home-price gains that took place across the state throughout 2020. Property values in Colorado have been increasing at a healthy pace over the years. From December 2019 to December 2020, the price of homes in Colorado increased 6.2% to $427,659, and as such, loan limits have increased for 2021.

Want to Apply for the Program?

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 2021, 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.

Get an Instant Mortgage Rate Quote Today

Need a Mortgage?

Sammamish Mortgage is a local mortgage company serving the broader Pacific Northwest region, including Washington state, Idaho, Colorado, and Oregon. We have been offering a wide variety of mortgage programs and products with flexible qualification criteria since 1992. Please contact us if you have any questions or are ready to apply for a home loan.

Begin your home loan process today! Our mortgage advisors are standing by. Request a free personalized rate quote. (425) 401-8787