Colorado · 2026
Colorado 2026 FHA and conforming loan limits
For a one-unit home in Colorado, the 2026 conforming limit is $832,750 to $1,249,125 and the FHA limit is $541,287 to $1,249,125. FHA limits rose in 60 of 64 counties from 2025.
| County | Conforming 1 unit | Conforming 2 units | FHA 1 unit | FHA 2 units | FHA 3 units | FHA 4 units | FHA vs 2025 |
|---|---|---|---|---|---|---|---|
| Adams County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Alamosa County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Arapahoe County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Archuleta County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Baca County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Bent County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Boulder County | $879,750 | $1,126,250 | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | +$17,250 |
| Broomfield County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Chaffee County | $832,750 | $1,066,250 | $713,000 | $912,750 | $1,103,350 | $1,371,150 | +$46,000 |
| Cheyenne County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Clear Creek County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Conejos County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Costilla County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Crowley County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Custer County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Delta County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Denver County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Dolores County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Douglas County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Eagle County | $1,249,125 | $1,599,375 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Elbert County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| El Paso County | $832,750 | $1,066,250 | $541,650 | $693,400 | $838,150 | $1,041,650 | +$8,050 |
| Fremont County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Garfield County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Gilpin County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Grand County | $883,200 | $1,130,650 | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | +$9,200 |
| Gunnison County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | — |
| Hinsdale County | $832,750 | $1,066,250 | $563,500 | $721,400 | $872,000 | $1,083,650 | +$39,275 |
| Huerfano County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jackson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Jefferson County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Kiowa County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Kit Carson County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lake County | $1,092,500 | $1,398,600 | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | +$568,275 |
| La Plata County | $832,750 | $1,066,250 | $747,500 | $956,950 | $1,156,700 | $1,437,500 | +$57,500 |
| Larimer County | $832,750 | $1,066,250 | $634,800 | $812,650 | $982,300 | $1,220,800 | +$2,300 |
| Las Animas County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Lincoln County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Logan County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mesa County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Mineral County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Moffat County | $1,089,050 | $1,394,200 | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | +$564,825 |
| Montezuma County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Montrose County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | −$209,663 |
| Morgan County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Otero County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Ouray County | $832,750 | $1,066,250 | $750,950 | $961,350 | $1,162,050 | $1,444,150 | — |
| Park County | $862,500 | $1,104,150 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | +$28,750 |
| Phillips County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pitkin County | $1,209,750 | $1,548,975 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | +$39,375 |
| Prowers County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Pueblo County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Rio Blanco County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Rio Grande County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Routt County | $1,089,050 | $1,394,200 | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | +$77,050 |
| Saguache County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| San Juan County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| San Miguel County | $994,750 | $1,273,450 | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 | — |
| Sedgwick County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Summit County | $1,092,500 | $1,398,600 | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | +$25,300 |
| Teller County | $832,750 | $1,066,250 | $541,650 | $693,400 | $838,150 | $1,041,650 | +$8,050 |
| Washington County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
| Weld County | $832,750 | $1,066,250 | $575,000 | $736,100 | $889,800 | $1,105,800 | +$11,500 |
| Yuma County | $832,750 | $1,066,250 | $541,287 | $693,050 | $837,700 | $1,041,125 | +$17,062 |
Conforming limits: FHFA (2026). FHA forward-mortgage limits: HUD (2026 case numbers). Each county page adds 2025 mortgage activity.
Counts: 64 counties and county-equivalents.