Colorado has some of the most varied conforming limits of any state — high-cost mountain counties at $1,089,050, rural and plains counties at the floor of $766,550.
High-Cost Mountain Counties — $1,089,050
Boulder (Boulder, Longmont, Lafayette, Louisville) · Eagle (Vail, Avon, Edwards, Eagle, Gypsum) · Pitkin (Aspen, Basalt, Snowmass) · Routt (Steamboat, Hayden) · San Miguel (Telluride, Mountain Village) · Summit (Breckenridge, Frisco, Silverthorne, Dillon, Keystone).
Elevated Front Range Counties — $833,750
Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park.
Standard High-Balance Counties — $766,550–$832,750
El Paso ($832,750) · Larimer ($832,750) · Garfield ($832,750) · Teller ($832,750) · Chaffee ($766,550) · La Plata ($766,550) · Mesa ($766,550) · Montrose ($766,550) · Weld ($766,550).
Floor Counties — $766,550
All remaining counties including Pueblo, Fremont, Custer, Saguache, Rio Grande, Costilla, Las Animas, Huerfano, and all eastern plains counties.
Why the Limit Matters
Inside the limit: standard conventional or high-balance conventional pricing; 3–5% down minimum. Above the limit: jumbo territory — typically 20–30% down, 720+ credit, 12 months reserves; rates currently within 0.25–0.5% of conforming (spread has compressed in 2026).
Practical Examples
Fort Collins, $720K @ 10% down → $648K loan, inside Larimer's $832,750 → conforming. Breckenridge, $1.2M @ 20% down → $960K loan, inside Summit's $1,089,050 → high-balance conforming, no jumbo premium. Denver, $1M @ 10% down → $900K loan, above Denver's $833,750 → jumbo.
FHA Limits
Boulder/Eagle/Summit/Pitkin/Routt/San Miguel: $1,089,050 · Denver metro/El Paso/Larimer: $832,750–$833,750 · La Plata/Garfield/Mesa/Montrose/Weld: $766,550 · Pueblo: $541,287 · Most rural/plains: $524,225 (national floor).
Contact Tayton Capital or apply now.
📧 tj@taytoncapitalllc.com
📞 970-708-9624
Frequently asked questions
What is the conforming loan limit in Denver?
$833,750 for 2026. Loans up to this amount access standard conventional pricing. Above is jumbo.
Does Boulder County have a higher conforming limit than Denver?
Yes — Boulder County's limit is $1,089,050 vs. Denver's $833,750, reflecting Boulder's higher home values.
If I put enough down to stay under the conforming limit, does it matter where I'm buying?
Only your loan amount matters — not the purchase price. A $1.2M purchase with 30% down in Denver produces an $840,000 loan, just above the limit. Putting 31% down keeps you in conforming territory.
Are FHA and conventional limits the same?
No — they're similar but not identical. FHA limits follow a parallel high-cost structure but the specific amounts differ slightly at some tiers.
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