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Colorado FHA Loan Limits for 2026

FHA Increases 2026 Loan Limits, Providing More Opportunities for Colorado Homebuyers

FHA Loans Update for 2026

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The 2025 FHA loan limits for Colorado have been updated, providing homebuyers with increased opportunities to purchase or refinance homes across the state. For single-family homes, FHA loan limits now range from $524,225 in lower-cost areas to as high as $1,209,750 in higher-cost regions, depending on the county.

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For example:

  • Denver County: The FHA loan limit for a single-family home is $862,500.

  • La Plata County: The limit for a single-family home is $690,000.

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These adjustments reflect the rising home values across Colorado and aim to expand financing options while maintaining the accessible terms FHA loans are known for. Loan limits also vary based on property type, including two- to four-unit properties.

 

If you have questions about these new FHA loan limits or want to explore your homebuying or refinancing options, we’re here to help. Contact us today to learn how you can benefit!

County
One-Unit (Single-Family)
Two-Unit (Duplex)
Three-Unit (Triplex)
Four-Unit (Multi-Plex)
Las Animas County
$541,287
$671,200
$811,275
$1,008,300
Lincoln County
$541,287
$671,200
$811,275
$1,008,300
Logan County
$541,287
$671,200
$811,275
$1,008,300
Mesa County
$541,287
$671,200
$811,275
$1,008,300
Mineral County
$541,287
$671,200
$811,275
$1,008,300
Moffat County
$1,089,050
$671,200
$811,275
$1,008,300
Montezuma County
$541,287
$961,350
$1,162,050
$1,444,150
Montrose County
$541,287
$671,200
$811,275
$1,008,300
Morgan County
$541,287
$671,200
$811,275
$1,008,300
Otero County
$541,287
$961,350
$1,162,050
$1,444,150
Ouray County
$750,950
$1,067,350
$1,290,200
$1,603,400
Park County
$862,500
$671,200
$811,275
$1,008,300

*Loan limit increase is only valid for 30-year loans. High-cost areas include mainland states with the exception of Alaska and Hawaii.

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