Colorado Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 64 Colorado counties. 29 counties are high-cost areas with FHA limits above the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Colorado counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adams County | $862,500 | $862,500 | High-cost |
| Alamosa County | $541,287 | $832,750 | Floor |
| Arapahoe County | $862,500 | $862,500 | High-cost |
| Archuleta County | $541,287 | $832,750 | Floor |
| Baca County | $541,287 | $832,750 | Floor |
| Bent County | $541,287 | $832,750 | Floor |
| Boulder County | $879,750 | $879,750 | High-cost |
| Broomfield County | $862,500 | $862,500 | High-cost |
| Chaffee County | $713,000 | $832,750 | High-cost |
| Cheyenne County | $541,287 | $832,750 | Floor |
| Clear Creek County | $862,500 | $862,500 | High-cost |
| Conejos County | $541,287 | $832,750 | Floor |
| Costilla County | $541,287 | $832,750 | Floor |
| Crowley County | $541,287 | $832,750 | Floor |
| Custer County | $541,287 | $832,750 | Floor |
| Delta County | $541,287 | $832,750 | Floor |
| Denver County | $862,500 | $862,500 | High-cost |
| Dolores County | $541,287 | $832,750 | Floor |
| Douglas County | $862,500 | $862,500 | High-cost |
| Eagle County | $1,249,125 | $1,249,125 | High-cost |
| El Paso County | $541,650 | $832,750 | High-cost |
| Elbert County | $862,500 | $862,500 | High-cost |
| Fremont County | $541,287 | $832,750 | Floor |
| Garfield County | $1,249,125 | $1,209,750 | High-cost |
| Gilpin County | $862,500 | $862,500 | High-cost |
| Grand County | $883,200 | $883,200 | High-cost |
| Gunnison County | $747,500 | $832,750 | High-cost |
| Hinsdale County | $563,500 | $832,750 | High-cost |
| Huerfano County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jefferson County | $862,500 | $862,500 | High-cost |
| Kiowa County | $541,287 | $832,750 | Floor |
| Kit Carson County | $541,287 | $832,750 | Floor |
| La Plata County | $747,500 | $832,750 | High-cost |
| Lake County | $1,092,500 | $1,092,500 | High-cost |
| Larimer County | $634,800 | $832,750 | High-cost |
| Las Animas County | $541,287 | $832,750 | Floor |
| Lincoln County | $541,287 | $832,750 | Floor |
| Logan County | $541,287 | $832,750 | Floor |
| Mesa County | $541,287 | $832,750 | Floor |
| Mineral County | $541,287 | $832,750 | Floor |
| Moffat County | $1,089,050 | $1,089,050 | High-cost |
| Montezuma County | $541,287 | $832,750 | Floor |
| Montrose County | $541,287 | $832,750 | Floor |
| Morgan County | $541,287 | $832,750 | Floor |
| Otero County | $541,287 | $832,750 | Floor |
| Ouray County | $750,950 | $832,750 | High-cost |
| Park County | $862,500 | $862,500 | High-cost |
| Phillips County | $541,287 | $832,750 | Floor |
| Pitkin County | $1,249,125 | $1,209,750 | High-cost |
| Prowers County | $541,287 | $832,750 | Floor |
| Pueblo County | $541,287 | $832,750 | Floor |
| Rio Blanco County | $541,287 | $832,750 | Floor |
| Rio Grande County | $541,287 | $832,750 | Floor |
| Routt County | $1,089,050 | $1,089,050 | High-cost |
| Saguache County | $541,287 | $832,750 | Floor |
| San Juan County | $541,287 | $832,750 | Floor |
| San Miguel County | $1,045,350 | $994,750 | High-cost |
| Sedgwick County | $541,287 | $832,750 | Floor |
| Summit County | $1,092,500 | $1,092,500 | High-cost |
| Teller County | $541,650 | $832,750 | High-cost |
| Washington County | $541,287 | $832,750 | Floor |
| Weld County | $575,000 | $832,750 | High-cost |
| Yuma County | $541,287 | $832,750 | Floor |
Sources
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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