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The Federal Housing Administration (FHA) has just increased the amount of money that can be borrowed through its mortgage programs by more than $51K in most areas. In high-cost locations, the increase is even greater. New limits will take 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.
If you have questions about what this change could mean for you, please reach out.
Nick Barta is the #1 FHA Loan Originator in Colorado and the United States.
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 |