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Colorado FHA Loan Limits for 2022

The Federal Housing Agency (FHA) has just increased the amount of money that can be borrowed through its mortgage programs by more than $64k in most areas in Colorado*. In high cost locations, the increase is even greater. New limits will take effect in 2022.

The increases will allow more 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 areas in Colorado, the FHA loan limit will be $420,680, an 18% increase over 2021’s limit of $356,362.
  • In the Denver Metro Area, the FHA loan limit will be $684,250, an 18% increase over 2021's limit of $596,850
  • In high cost areas, the limit moves to $970,800, an 18% increase over 2021’s $822,375.
  • 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 reach out. And if you have friends who may benefit from the news, please pass it along. We'll be honored to help them too.

 

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CountyOne-FamilyTwo-FamilyThree-FamilyFour-Family
ADAMS$684,250$875,950$1,058,850$1,315,900
ALAMOSA$420,680$538,650$651,050$809,150
ARAPAHOE$684,250$875,950$1,058,850$1,315,900
ARCHULETA$420,680$538,650$651,050$809,150
BACA$420,680$538,650$651,050$809,150
BENT$420,680$538,650$651,050$809,150
BOULDER$747,500$956,950$1,156,700$1,437,500
BROOMFIELD$684,250$875,950$1,058,850$1,315,900
CHAFFEE$461,150$590,350$713,600$886,850
CHEYENNE$420,680$538,650$651,050$809,150
CLEAR CREEK$684,250$875,950$1,058,850$1,315,900
CONEJOS$420,680$538,650$651,050$809,150
COSTILLA$420,680$538,650$651,050$809,150
CROWLEY$420,680$538,650$651,050$809,150
CUSTER$420,680$538,650$651,050$809,150
DELTA$420,680$538,650$651,050$809,150
DENVER$684,250$875,950$1,058,850$1,315,900
DOLORES$420,680$538,650$651,050$809,150
DOUGLAS$684,250$875,950$1,058,850$1,315,900
EAGLE$862,500$1,104,150$1,334,700$1,658,700
EL PASO$460,000$588,850$711,800$884,600
ELBERT$684,250$875,950$1,058,850$1,315,900
FREMONT$420,680$538,650$651,050$809,150
GARFIELD$970,800$1,243,050$1,502,475$1,867,275
GILPIN$684,250$875,950$1,058,850$1,315,900
GRAND$534,750$684,550$827,500$1,028,350
GUNNISON$431,250$552,050$667,350$829,350
HINSDALE$427,800$547,650$662,000$822,700
HUERFANO$420,680$538,650$651,050$809,150
JACKSON$420,680$538,650$651,050$809,150
JEFFERSON$684,250$875,950$1,058,850$1,315,900
KIOWA$420,680$538,650$651,050$809,150
KIT CARSON$420,680$538,650$651,050$809,150
LA PLATA$494,500$633,050$765,200$950,950
LAKE$420,680$538,650$651,050$809,150
LARIMER$522,100$668,400$807,900$1,004,050
LAS ANIMAS$420,680$538,650$651,050$809,150
LINCOLN$420,680$538,650$651,050$809,150
LOGAN$420,680$538,650$651,050$809,150
MESA$420,680$538,650$651,050$809,150
MINERAL$420,680$538,650$651,050$809,150
MOFFAT$420,680$538,650$651,050$809,150
MONTEZUMA$420,680$538,650$651,050$809,150
MONTROSE$425,500$544,700$658,450$818,250
MORGAN$420,680$538,650$651,050$809,150
OTERO$420,680$538,650$651,050$809,150
OURAY$425,500$544,700$658,450$818,250
PARK$684,250$875,950$1,058,850$1,315,900
PHILLIPS$420,680$538,650$651,050$809,150
PITKIN$970,800$1,243,050$1,502,475$1,867,275
PROWERS$420,680$538,650$651,050$809,150
PUEBLO$420,680$538,650$651,050$809,150
RIO BLANCO$420,680$538,650$651,050$809,150
RIO GRANDE$420,680$538,650$651,050$809,150
ROUTT$678,500$868,600$1,049,950$1,304,850
SAGUACHE$420,680$538,650$651,050$809,150
SAN JUAN$420,680$538,650$651,050$809,150
SAN MIGUEL$970,800$1,243,050$1,502,475$1,867,275
SEDGWICK$420,680$538,650$651,050$809,150
SUMMIT$925,750$1,185,150$1,432,550$1,780,300
TELLER$460,000$588,850$711,800$884,600
WASHINGTON$420,680$538,650$651,050$809,150
WELD$483,000$618,300$747,400$928,850
YUMA$420,680$538,650$651,050$809,150
*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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