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Conforming loan limits in Denver have increased for 2026 as a result of strong home prices, even though prices dipped in Denver over the past year. In this article, we’ll discuss what these numbers are and how that will affect the homebuying process.
For all cities within Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park counties, the conforming loan limit will increase to $862,500 in 2026 for single-family properties. In several other counties in CO, the loan limits are even higher.
There are higher limits for multi-family properties, as noted in the chart below.
| County Name | 1 Unit | 2 Units | 3 Units | 4 Units |
| ADAMS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ARAPAHOE | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| BROOMFIELD | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| CLEAR CREEK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| DENVER | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| DOUGLAS | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| ELBERT | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| GILPIN | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| JEFFERSON | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| PARK | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
Two government-sponsored enterprises (GSEs) purchase loans from mortgage lenders: Fannie Mae and Freddie Mac.
Conforming loans are those that meet the size requirements used by Freddie Mac and Fannie Mae. If these size requirements are exceeded, the loans are considered to be “jumbo loans.”
Borrowers who need to take out a jumbo loan will likely have to meet stricter loan requirements because of the higher loan amount borrowed.
In 2026, conforming loan limits – which is the threshold between conforming and jumbo loans – in Denver increased thanks to an increase in home values. For the Denver metro area, the conforming loan limit for a single-family property in 2026 a rose to $862,500.
These caps are generally consistent across all metro areas. In the case of the Denver metro area, Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park counties all have the same conforming loan limits.
Beyond the Denver metro area, the 2026 loan limit for the majority of other counties across the state rose to $832,750 for 2026.
Please note: Qualified borrowers with sufficient income are typically eligible to borrow more than the conforming loan limit for their county. This would be considered a “jumbo” mortgage scenario.
Check out our mortgage loan limit tool for conventional, FHA, and VA loans, as well as the 2026 conforming loan limits for Colorado.
The increase in Denver’s 2026 conforming loan limits is interesting because home prices in Denver actually dipped in 2025. However, home price gains were very strong in the preceding years, which could be a factor in this year’s conforming loan increase.
Federal housing officials review these loan limits every year relative to property values. If the increases in home prices are substantial within a calendar year, federal housing officials will respond appropriately by increasing loan limits.
Having said that, Denver isn’t the only center that will see an increase in conforming loan limits in 2026. In fact, the majority of counties across the US will be boosted next year as a result of rising home values.
“U.S. Federal Housing (FHFA) today announced the conforming loan limit values (CLLs) for mortgages Fannie Mae and Freddie Mac (the Enterprises) will acquire in 2026. In most of the United States, the 2026 CLL value for one-unit properties will be $832,750, an increase of $26,250 from 2025.”
The median home value in Denver is $530,699 by year-end in 2025, according to Zillow. In turn, loan limits in Denver increased for 2026.
Will you need mortgage financing to buy a home in Denver? We can help. 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.
Whether you’re buying a home or ready to refinance, our professionals can help.
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