Colorado has some of the most varied conforming limits of any state — high-cost mountain counties up to $1,249,125 (Eagle), and rural and plains counties at the floor of $832,750.
High-Cost Mountain Counties (2026 Conforming)
Eagle (Vail/Avon/Edwards/Gypsum): $1,249,125 · Garfield (Glenwood Springs/Rifle/Silt) & Pitkin (Aspen/Basalt/Snowmass): $1,209,750 · Summit (Breckenridge/Frisco/Dillon/Keystone/Silverthorne) & Lake (Leadville): $1,092,500 · Routt (Steamboat/Hayden/Oak Creek): $1,089,050 · San Miguel (Telluride/Mountain Village): $994,750 · Grand (Winter Park/Granby/Fraser/Tabernash): $883,200 · Boulder (Boulder/Longmont/Lafayette/Louisville): $879,750.
Elevated Front Range Counties — $862,500
Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, Park.
Standard Counties — $832,750
El Paso · Larimer · Teller · Chaffee · La Plata · Mesa · Montrose · Weld — all at the 2026 baseline of $832,750.
Floor Counties — $832,750
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 $1,092,500 → high-balance conforming, no jumbo premium. Denver, $1M @ 10% down → $900K loan, above Denver's $862,500 → jumbo.
FHA Limits
Eagle & Garfield: $1,249,125 · Pitkin: $1,249,125 · Summit/Lake: $1,092,500 · Routt: $1,089,050 · San Miguel FHA: $1,045,350 · Grand: $883,200 · Boulder: $879,750 · Ouray FHA: $750,950 · La Plata & Gunnison FHA: $747,500 · Denver metro: $862,500 · Most rural/plains: $541,287 (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?
$862,500 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 $879,750 vs. Denver's $862,500, 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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