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FHA Loans in Pueblo, Colorado 2026
Pueblo remains one of Colorado's most attainable housing markets, and FHA financing is the dominant purchase tool here. With a median home price around $260,000–$295,000, FHA 3.5% down requires less than $10,000.
Pueblo County FHA Limit (2026)
FHA single-family limit: $524,225. Conforming limit: $806,500. Pueblo's prices are well below both ceilings.
FHA Payment Example — Pueblo Median
Purchase $265,000 with 3.5% down ($9,275). Loan $255,725 + 1.75% UFMIP = $260,198. Rate 6.875%. P&I ~$1,710/mo. MIP ~$119/mo. Property tax ~$132/mo. Insurance ~$100/mo. Total PITI ~$2,061/mo.
Who Is Buying With FHA in Pueblo
Steel workers and manufacturing employees with union wages $55,000–$80,000. CSU-Pueblo graduates and faculty. Healthcare workers at Parkview Medical Center and St. Mary-Corwin. Credit rebuilders with 580+ scores.
Pueblo West: FHA's Sweet Spot
Pueblo West has new construction in the $295,000–$380,000 range — FHA-accessible and growing. Lower property taxes (no city mill levy), larger lots, and some USDA-eligible parcels on the western fringe.
CHFA + FHA
Pueblo is one of CHFA's most active counties. CHFA's second mortgage covers the 3.5% FHA down payment. A $265,000 Pueblo home: potentially under $3,000 total cash needed at closing with seller concessions.
Pueblo is one of Colorado's strongest FHA markets. 970-708-9624 | tj@taytoncapitalllc.com.
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