Summit County, Colorado Loan Limits for 2026

The FHA loan limit in Summit County is $1,092,500 for a one-unit home in 2026 (a high-cost area above the national floor), and the conforming limit for Fannie Mae and Freddie Mac loans is $1,092,500. Anything larger is a jumbo loan. HUD sets the FHA figure for the BRECKENRIDGE, CO area.

2026 limits by number of units

UnitsFHA limitConforming limit
1$1,092,500$1,092,500
2$1,398,600$1,398,600
3$1,690,600$1,690,600
4$2,101,000$2,101,000

FHA limits effective January 1, 2026 per HUD; conforming limits for mortgages acquired in calendar year 2026 per FHFA. HUD's median price used to set the FHA limit here: $950,000.

What the limit means at the median price

The median Summit County home is worth $850,700. With FHA's 3.5% minimum down payment, the largest FHA loan on that home would be $820,926, within the county limit.

Frequently asked questions

What is the FHA loan limit in Summit County for 2026?

$1,092,500 for a single-family home, $1,398,600 for a duplex, $1,690,600 for a triplex and $2,101,000 for a fourplex, per HUD's county limits file (Mortgagee Letter 2025-23). Summit County is a high-cost area, so its limit sits above the national floor of $541,287.

What is the conforming loan limit in Summit County?

$1,092,500 for a one-unit home in 2026 ($1,398,600, $1,690,600 and $2,101,000 for 2, 3 and 4 units), per the Federal Housing Finance Agency. Loans above it are jumbo loans.

Does the limit cap the home price?

No. It caps the loan amount. A buyer can purchase a home above the limit by making a larger down payment so the mortgage stays within it.

Sources

Figures are computed from the documents above and rounded to the dollar. All sources.

Loan limits in every Colorado county → Summit County home buyer guide →

General information, not lending advice. Lenders may set their own lower caps.

Summit County overview