The Federal Housing Administration (FHA) has recently increased the amount of money that can be borrowed through its mortgage programs in most areas of Colorado by more than $51K. The increase is even greater in high-cost areas. New limits will go into effect in 2023.
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, the FHA loan limit will be $472,030, a 12% increase over 2022’s limit of $420,680.
- In high-cost areas, the limit moves to $1,089,300, a 12% increase over 2022’s $970,800.
- 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.**
Colorado FHA Loan Limits by County
County Name | One-Unit (Single-Family) | Two-Unit (Duplex) | Three-Unit (Triplex) | Four-Unit (Multi-Plex) |
ADAMS COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
ALAMOSA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
ARAPAHOE COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
ARCHULETA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
BACA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
BENT COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
BOULDER COUNTY | $856,750 | $1,096,800 | $1,325,800 | $1,647,650 |
BROOMFIELD COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
CHAFFEE COUNTY | $600,300 | $768,500 | $928,950 | $1,154,450 |
CHEYENNE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
CLEAR CREEK COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
CONEJOS COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
COSTILLA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
CROWLEY COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
CUSTER COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
DELTA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
DENVER COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
DOLORES COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
DOUGLAS COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
EAGLE COUNTY | $1,075,250 | $1,376,550 | $1,663,900 | $2,067,850 |
EL PASO COUNTY | $517,500 | $662,500 | $800,800 | $995,200 |
ELBERT COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
FREMONT COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
GARFIELD COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
GILPIN COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
GRAND COUNTY | $669,300 | $856,800 | $1,035,700 | $1,287,150 |
GUNNISON COUNTY | $519,800 | $665,450 | $804,350 | $999,600 |
HINSDALE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
HUERFANO COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
JACKSON COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
JEFFERSON COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
KIOWA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
KIT CARSON COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
LA PLATA COUNTY | $596,850 | $764,050 | $923,600 | $1,147,800 |
LAKE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
LARIMER COUNTY | $614,100 | $786,150 | $950,300 | $1,181,000 |
LAS ANIMAS COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
LINCOLN COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
LOGAN COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MESA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MINERAL COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MOFFAT COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MONTEZUMA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MONTROSE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
MORGAN COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
OTERO COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
OURAY COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
PARK COUNTY | $787,750 | $1,008,450 | $1,219,000 | $1,514,950 |
PHILLIPS COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
PITKIN COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
PROWERS COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
PUEBLO COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
RIO BLANCO COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
RIO GRANDE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
ROUTT COUNTY | $845,250 | $1,082,100 | $1,308,000 | $1,625,500 |
SAGUACHE COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
SAN JUAN COUNTY | $506,000 | $647,750 | $783,000 | $973,100 |
SAN MIGUEL COUNTY | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 |
SEDGWICK COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
SUMMIT COUNTY | $953,350 | $1,220,450 | $1,475,250 | $1,833,400 |
TELLER COUNTY | $517,500 | $662,500 | $800,800 | $995,200 |
WASHINGTON COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
WELD COUNTY | $555,450 | $711,050 | $711,050 | $1,068,200 |
YUMA COUNTY | $472,030 | $604,400 | $730,525 | $907,900 |
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...
*When it comes it comes to refinancing your home loan, you can generally reduce your monthly payment; however, total finance charges may be higher over the life of your mortgage loan.
**First lien interest rates may be higher when using a DPA second.