Colorado FHA Loan Limits for 2022 – All Counties

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FHA loan limits for 2022 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 2022 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 2022, and range from $420,680 to $970,800.

Colorado FHA Loan Limits 2022

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 Name1 Unit2 Units3 Units4 Units
ADAMS$684,250$875,950$1,058,850$1,315,900
ALAMOSA$420,680$538,650$651,050$809,150
ARAPAHOE$684,250$875,950$1,058,850$1,315,900
ARCHULETA$420,680$538,650$651,050$809,150
BACA$420,680$538,650$651,050$809,150
BENT$420,680$538,650$651,050$809,150
BOULDER$747,500$956,950$1,156,700$1,437,500
BROOMFIELD$684,250$875,950$1,058,850$1,315,900
CHAFFEE$461,150$590,350$713,600$886,850
CHEYENNE$420,680$538,650$651,050$809,150
CLEAR CREEK$684,250$875,950$1,058,850$1,315,900
CONEJOS$420,680$538,650$651,050$809,150
COSTILLA$420,680$538,650$651,050$809,150
CROWLEY$420,680$538,650$651,050$809,150
CUSTER$420,680$538,650$651,050$809,150
DELTA$420,680$538,650$651,050$809,150
DENVER$684,250$875,950$1,058,850$1,315,900
DOLORES$420,680$538,650$651,050$809,150
DOUGLAS$684,250$875,950$1,058,850$1,315,900
EAGLE$862,500$1,104,150$1,334,700$1,658,700
EL PASO$460,000$588,850$711,800$884,600
ELBERT$684,250$875,950$1,058,850$1,315,900
FREMONT$420,680$538,650$651,050$809,150
GARFIELD$970,800$1,243,050$1,502,475$1,867,275
GILPIN$684,250$875,950$1,058,850$1,315,900
GRAND$534,750$684,550$827,500$1,028,350
GUNNISON$431,250$552,050$667,350$829,350
HINSDALE$427,800$547,650$662,000$822,700
HUERFANO$420,680$538,650$651,050$809,150
JACKSON$420,680$538,650$651,050$809,150
JEFFERSON$684,250$875,950$1,058,850$1,315,900
KIOWA$420,680$538,650$651,050$809,150
KIT CARSON$420,680$538,650$651,050$809,150
LA PLATA$494,500$633,050$765,200$950,950
LAKE$420,680$538,650$651,050$809,150
LARIMER$522,100$668,400$807,900$1,004,050
LAS ANIMAS$420,680$538,650$651,050$809,150
LINCOLN$420,680$538,650$651,050$809,150
LOGAN$420,680$538,650$651,050$809,150
MESA$420,680$538,650$651,050$809,150
MINERAL$420,680$538,650$651,050$809,150
MOFFAT$420,680$538,650$651,050$809,150
MONTEZUMA$420,680$538,650$651,050$809,150
MONTROSE$425,500$544,700$658,450$818,250
MORGAN$420,680$538,650$651,050$809,150
OTERO$420,680$538,650$651,050$809,150
OURAY$425,500$544,700$658,450$818,250
PARK$684,250$875,950$1,058,850$1,315,900
PHILLIPS$425,500$544,700$658,450$818,250
PITKIN$970,800$1,243,050$1,502,475$1,867,275

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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 2021 with FHA loan limits in Colorado.

In December 2021, the HUD announced that Colorado FHA loan limits would be increasing for 2022.

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 October 2020 to October 2021, the price of homes in Colorado increased 21.9% to $522,970, and as such, loan limits have increased for 2022.

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

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 2022, 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.

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