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Colorado Conforming Loan Limits for 2023

The Federal Housing Finance Agency (FHFA) has just increased the amount of money that can be borrowed through a standard home loan to $726,200.* In some areas in Colorado, the limit is even higher. The new limits will take effect in 2023.

This is great news for buyers and owners alike.

  • Buyers may be able to borrow more money through a conventional, typically lower-rate loan.
  • Owners may be able to refinance their "jumbo" loan to a lower rate conforming loan and possibly drop mortgage insurance, too.
  • Combining (or avoiding) smaller 1st and 2nd mortgages may now be an option.
  • The increase reaffirms the health of the housing market and your decision to invest in a home.

Here are the specifics about the change:

  • The standard loan limit, also known as the conforming loan limit, rose by 12.21% to a maximum of $726,200 in most counties in Colorado.
  • The percentage increase is equal to the national appreciation average over the last year.
  • This is the 7th year in a row that the FHFA has raised the limit, after a decade of no increases. The limit has risen more than $300K over six years.

Curious about limits in your county or other areas? Check out the table below. We'll update it as limits change, so bookmark it for future reference if you'd like.

Colorado Conforming Loan Limits by County

 

County NameOne-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$726,200$929,850$1,123,900$1,396,800
ARAPAHOE COUNTY$787,750$1,008,450$1,219,000$1,514,950
ARCHULETA COUNTY$726,200$929,850$1,123,900$1,396,800
BACA COUNTY$726,200$929,850$1,123,900$1,396,800
BENT COUNTY$726,200$929,850$1,123,900$1,396,800
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$726,200$929,850$1,123,900$1,396,800
CHEYENNE COUNTY$726,200$929,850$1,123,900$1,396,800
CLEAR CREEK COUNTY$787,750$1,008,450$1,219,000$1,514,950
CONEJOS COUNTY$726,200$929,850$1,123,900$1,396,800
COSTILLA COUNTY$726,200$929,850$1,123,900$1,396,800
CROWLEY COUNTY$726,200$929,850$1,123,900$1,396,800
CUSTER COUNTY$726,200$929,850$1,123,900$1,396,800
DELTA COUNTY$726,200$929,850$1,123,900$1,396,800
DENVER COUNTY$787,750$1,008,450$1,219,000$1,514,950
DOLORES COUNTY$726,200$929,850$1,123,900$1,396,800
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$726,200$929,850$1,123,900$1,396,800
ELBERT COUNTY$787,750$1,008,450$1,219,000$1,514,950
FREMONT COUNTY$726,200$929,850$1,123,900$1,396,800
GARFIELD COUNTY$948,750$1,214,600$1,468,150$1,824,550
GILPIN COUNTY$787,750$1,008,450$1,219,000$1,514,950
GRAND COUNTY$726,200$929,850$1,123,900$1,396,800
GUNNISON COUNTY$726,200$929,850$1,123,900$1,396,800
HINSDALE COUNTY$726,200$929,850$1,123,900$1,396,800
HUERFANO COUNTY$726,200$929,850$1,123,900$1,396,800
JACKSON COUNTY$726,200$929,850$1,123,900$1,396,800
JEFFERSON COUNTY$787,750$1,008,450$1,219,000$1,514,950
KIOWA COUNTY$726,200$929,850$1,123,900$1,396,800
KIT CARSON COUNTY$726,200$929,850$1,123,900$1,396,800
LA PLATA COUNTY$726,200$929,850$1,123,900$1,396,800
LAKE COUNTY$726,200$929,850$1,123,900$1,396,800
LARIMER COUNTY$726,200$929,850$1,123,900$1,396,800
LAS ANIMAS COUNTY$726,200$929,850$1,123,900$1,396,800
LINCOLN COUNTY$726,200$929,850$1,123,900$1,396,800
LOGAN COUNTY$726,200$929,850$1,123,900$1,396,800
MESA COUNTY$726,200$929,850$1,123,900$1,396,800
MINERAL COUNTY$726,200$929,850$1,123,900$1,396,800
MOFFAT COUNTY$726,200$929,850$1,123,900$1,396,800
MONTEZUMA COUNTY$726,200$929,850$1,123,900$1,396,800
MONTROSE COUNTY$726,200$929,850$1,123,900$1,396,800
MORGAN COUNTY$726,200$929,850$1,123,900$1,396,800
OTERO COUNTY$726,200$929,850$1,123,900$1,396,800
OURAY COUNTY$726,200$929,850$1,123,900$1,396,800
PARK COUNTY$787,750$1,008,450$1,219,000$1,514,950
PHILLIPS COUNTY$726,200$929,850$1,123,900$1,396,800
PITKIN COUNTY$948,750$1,214,600$1,468,150$1,824,550
PROWERS COUNTY$726,200$929,850$1,123,900$1,396,800
PUEBLO COUNTY$726,200$929,850$1,123,900$1,396,800
RIO BLANCO COUNTY$726,200$929,850$1,123,900$1,396,800
RIO GRANDE COUNTY$726,200$929,850$1,123,900$1,396,800
ROUTT COUNTY$845,250$1,082,100$1,308,000$1,625,500
SAGUACHE COUNTY$726,200$929,850$1,123,900$1,396,800
SAN JUAN COUNTY$726,200$929,850$1,123,900$1,396,800
SAN MIGUEL COUNTY$862,500$1,104,150$1,334,700$1,658,700
SEDGWICK COUNTY$726,200$929,850$1,123,900$1,396,800
SUMMIT COUNTY$953,350$1,220,450$1,475,250$1,833,400
TELLER COUNTY$726,200$929,850$1,123,900$1,396,800
WASHINGTON COUNTY$726,200$929,850$1,123,900$1,396,800
WELD COUNTY$726,200$929,850$1,123,900$1,396,800
YUMA COUNTY$726,200$929,850$1,123,900$1,396,800


*Loan limit increase is only valid for 30-year loans. High-cost areas include mainland states with the exception of Alaska and Hawaii.

† 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.

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