Colorado loan limits 2026 by county
In 2026, 20 of the 64 counties in Colorado have a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in Eagle County. FHA limits run from $541,287 to $1,249,125: 29 counties are above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Colorado county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Alamosa County | $832,750 | $541,287 | Alamosa, CO |
| Arapahoe County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Archuleta County | $832,750 | $541,287 | Non-Metro |
| Baca County | $832,750 | $541,287 | Non-Metro |
| Bent County | $832,750 | $541,287 | Non-Metro |
| Boulder County | $879,750 | $879,750 | Boulder, CO |
| Broomfield County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Chaffee County | $832,750 | $713,000 | Non-Metro |
| Cheyenne County | $832,750 | $541,287 | Non-Metro |
| Clear Creek County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Conejos County | $832,750 | $541,287 | Alamosa, CO |
| Costilla County | $832,750 | $541,287 | Alamosa, CO |
| Crowley County | $832,750 | $541,287 | Non-Metro |
| Custer County | $832,750 | $541,287 | Non-Metro |
| Delta County | $832,750 | $541,287 | Non-Metro |
| Denver County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Dolores County | $832,750 | $541,287 | Non-Metro |
| Douglas County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Eagle County | $1,249,125 | $1,249,125 | Edwards, CO |
| El Paso County | $832,750 | $541,650 | Colorado Springs, CO |
| Elbert County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Fremont County | $832,750 | $541,287 | Canon City, CO |
| Garfield County | $1,209,750 | $1,249,125 | Rifle, CO |
| Gilpin County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Grand County | $883,200 | $883,200 | Non-Metro |
| Gunnison County | $832,750 | $747,500 | Non-Metro |
| Hinsdale County | $832,750 | $563,500 | Non-Metro |
| Huerfano County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Kiowa County | $832,750 | $541,287 | Non-Metro |
| Kit Carson County | $832,750 | $541,287 | Non-Metro |
| La Plata County | $832,750 | $747,500 | Durango, CO |
| Lake County | $1,092,500 | $1,092,500 | Breckenridge, CO |
| Larimer County | $832,750 | $634,800 | Fort Collins-Loveland, CO |
| Las Animas County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Logan County | $832,750 | $541,287 | Sterling, CO |
| Mesa County | $832,750 | $541,287 | Grand Junction, CO |
| Mineral County | $832,750 | $541,287 | Non-Metro |
| Moffat County | $1,089,050 | $1,089,050 | Steamboat Springs, CO |
| Montezuma County | $832,750 | $541,287 | Non-Metro |
| Montrose County | $832,750 | $541,287 | Montrose, CO |
| Morgan County | $832,750 | $541,287 | Fort Morgan, CO |
| Otero County | $832,750 | $541,287 | Non-Metro |
| Ouray County | $832,750 | $750,950 | Non-Metro |
| Park County | $862,500 | $862,500 | Denver-Aurora-Centennial, CO |
| Phillips County | $832,750 | $541,287 | Non-Metro |
| Pitkin County | $1,209,750 | $1,249,125 | Rifle, CO |
| Prowers County | $832,750 | $541,287 | Non-Metro |
| Pueblo County | $832,750 | $541,287 | Pueblo, CO |
| Rio Blanco County | $832,750 | $541,287 | Non-Metro |
| Rio Grande County | $832,750 | $541,287 | Non-Metro |
| Routt County | $1,089,050 | $1,089,050 | Steamboat Springs, CO |
| Saguache County | $832,750 | $541,287 | Non-Metro |
| San Juan County | $832,750 | $541,287 | Non-Metro |
| San Miguel County | $994,750 | $1,045,350 | Non-Metro |
| Sedgwick County | $832,750 | $541,287 | Non-Metro |
| Summit County | $1,092,500 | $1,092,500 | Breckenridge, CO |
| Teller County | $832,750 | $541,650 | Colorado Springs, CO |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Weld County | $832,750 | $575,000 | Greeley, CO |
| Yuma County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in Colorado
Eagle County ($1,249,125), Garfield County ($1,249,125), Pitkin County ($1,249,125), Lake County ($1,092,500) and Summit County ($1,092,500). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in Colorado
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Colorado fair market rentsHUD Fair Market Rents for every Colorado county, studios to 4 bedrooms.
- Colorado property tax ratesEffective property tax rate for every Colorado county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about Colorado loan limits
What are the FHA loan limits in Colorado for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 29 counties are above the national floor of $541,287, led by Eagle County ($1,249,125), Garfield County ($1,249,125) and Pitkin County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Colorado for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 20 counties are above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in Colorado?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in Colorado for 2026: 25 percent of that limit minus the entitlement already used.
Which Colorado counties have the highest loan limits?
Conforming: Eagle County at $1,249,125. FHA: Eagle County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/colorado. Not lending advice.