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Colorado FHA Loan Limits for 2021

 

The Federal Housing Agency (FHA) has increased the amount of money that can be borrowed through its mortgage programs by nearly $25k in most Colorado counties*. In high-cost locations, the increase is even greater. New limits will take effect in 2021.

  • The increases will allow more Colorado borrowers to take advantage of FHA’s benefits:
  • Low down payment options
  • Lower total cash-to-close requirements with gift or seller contributions
  • More lenient and streamlined refinancing
  • Ability to combine purchase and rehab financing
  • In some high-cost areas, higher loan limits than conventional mortgages

 

Here are the specifics:

  • In most Colorado counties, the FHA loan limit will be $356,362, a 7.4% increase over 2020’s limit of $331,760.
  • In high-cost Colorado counties, the limit moves to $822,375, a 7.4% increase over 2020's $765,600.
  • In some lower-cost areas or those with higher costs of construction, limits will vary.

 

If you have questions about what this change could mean for you, please contact us. 

 

 

County Name
One-Family
Two-Family
Three-Family
Four-Family
Adams
$596,850
$764,050
$923,600
$1,147,800
Alamosa
$356,362
$456,275
$551,500
$685,400
Arapahoe
$596,850
$764,050
$923,600
$1,147,800
Archuleta
$356,362
$456,275
$551,500
$685,400
Baca
$356,362
$456,275
$551,500
$685,400
Bent
$356,362
$456,275
$551,500
$685,400
Boulder
$654,350
$837,700
$1,012,550
$1,258,400
Broomfield
$596,850
$764,050
$923,600
$1,147,800
Chaffee
$391,000
$500,550
$605,050
$751,900
Cheyenne
$356,362
$456,275
$551,500
$685,400
Clear Creek
$596,850
$764,050
$923,600
$1,147,800
Conejos
$356,362
$456,275
$551,500
$685,400
Costilla
$356,362
$456,275
$551,500
$685,400
Crowley
$356,362
$456,275
$551,500
$685,400
Custer
$356,362
$456,275
$551,500
$685,400
Delta
$356,362
$456,275
$551,500
$685,400
Denver
$596,850
$764,050
$923,600
$1,147,800
Dolores
$356,362
$456,275
$551,500
$685,400
Douglas
$596,850
$764,050
$923,600
$1,147,800
Eagle
$822,250
$1,052,650
$1,272,400
$1,581,300
El Paso
$393,300
$503,500
$608,600
$756,350
Elbert
$596,850
$764,050
$923,600
$1,147,800
Fremont
$356,362
$456,275
$551,500
$685,400
Garfield
$822,250
$1,052,650
$1,272,400
$1,581,300
Gilpin
$596,850
$764,050
$923,600
$1,147,800
Grand
$529,000
$677,200
$818,600
$1,017,300
Gunnison
$408,250
$522,600
$631,750
$785,100
Hinsdale
$427,800
$547,650
$662,000
$822,700
Huerfano
$356,362
$456,275
$551,500
$685,400
Jackson
$356,362
$456,275
$551,500
$685,400
Jefferson
$596,850
$764,050
$923,600
$1,147,800
Kiowa
$356,362
$456,275
$551,500
$685,400
Kit Carson
$356,362
$456,275
$551,500
$685,400
La Plata
$448,500
$574,150
$694,000
$862,500
Lake
$356,362
$456,275
$551,500
$685,400
Larimer
$464,600
$594,750
$718,950
$893,450
Las Animas
$356,362
$456,275
$551,500
$685,400
Lincoln
$356,362
$456,275
$551,500
$685,400
Logan
$356,362
$456,275
$551,500
$685,400
Mesa
$356,362
$456,275
$551,500
$685,400
Mineral
$356,362
$456,275
$551,500
$685,400
Moffat
$356,362
$456,275
$551,500
$685,400
Montezuma
$356,362
$456,275
$551,500
$685,400
Montrose
$425,500
$544,700
$658,450
$818,250
Morgan
$356,362
$456,275
$551,500
$685,400
Otero
$356,362
$456,275
$551,500
$685,400
Ouray
$425,500
$544,700
$658,450
$818,250
Park
$596,850
$764,050
$923,600
$1,147,800
Phillips
$356,362
$456,275
$551,500
$685,400
Pitkin
$822,375
$1,053,000
$1,272,750
$1,581,750
Prowers
$356,362
$456,275
$551,500
$685,400
Pueblo
$356,362
$456,275
$551,500
$685,400
Rio Blanco
$356,362
$456,275
$551,500
$685,400
Rio Grande
$356,362
$456,275
$551,500
$685,400
Routt
$678,500
$868,600
$1,049,950
$1,304,850
Saguache
$356,362
$456,275
$551,500
$685,400
San Juan
$356,362
$456,275
$551,500
$685,400
San Miguel
$822,375
$1,053,000
$1,272,750
$1,581,750
Sedgwick
$356,362
$456,275
$551,500
$685,400
Summit
$822,375
$1,053,000
$1,272,750
$1,581,750
Teller
$393,300
$503,500
$608,600
$756,350
Washington
$356,362
$456,275
$551,500
$685,400
Weld
$428,950
$549,100
$663,750
$824,900
Yuma
$356,362
$456,275
$551,500
$685,400
 
*Loan limit increase is only valid for 30-year loans. High-cost areas include certain states and are subject to change
 

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