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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.
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 |
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 June 202 to June 2021, the price of homes in Colorado increased 14.2% to $479,127, and as such, loan limits have increased for 2021.
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 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.
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.
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