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Click Below to View the 2023 Colorado FHA Loan Limits in Your County
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.
Nick Barta is the country's top FHA Loan Originator and is ready to assist you with your homeownership goals. Please contact Nick to get started on your personalized home loan. There are also options for down payment assistance*.
| County | One-Family | Two-Family | Three-Family | Four-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.
*First lien interest rates may be higher when using a DPA second.
Nick Barta
Mortgage Loan Originator
NMLS 25540 | MA MLO 25540 | AZ MLO 0927129
Phone: (303) 709-9625
Email: [email protected]
#1 FHA Loan Originator in the Country (2021-2022)
FHA Program Features & Requirements:
- Low down payment options
- Minimum credit score of 500
- 0.85% of purchase price as monthly mortgage insurance
- 2-year waiting period required after bankruptcy and 3-year waiting period after foreclosure
- Low income requirements and no geographic restrictions
- Down payment can be gifted from a relative, borrowed from an eligible 401K, or provided through an approved state or local program
- FHA loan limits vary by county
Please fill out our online application to see if you are prequalified for an FHA loan. It's quick and secure, and there are no upfront fees to see if you qualify...