Mortgage Loans in Arapahoe County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Arapahoe County.
About Arapahoe County
Arapahoe County is a high-demand southeast Denver suburb spanning Centennial, Aurora, Englewood, and Littleton — a mix of established neighborhoods and tech-corridor employment. Tayton Capital serves buyers throughout Arapahoe County, including Aurora, Centennial, Englewood, and Littleton. Median home prices across the county range from $445,000 to $615,000, with loan limits elevated above the national baseline — the 2026 high-balance conforming limit is $862,500.
2026 Loan Limits — Arapahoe County, CO
Arapahoe County is designated a high-cost area by both FHFA and HUD. The 2026 high-balance conforming limit is $862,500 and the FHA limit is $862,500. Loans up to $862,500 remain Fannie Mae/Freddie Mac eligible at high-balance pricing — slightly above the $832,750 standard conforming rate. Anything above $862,500 requires jumbo or non-agency financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $862,500 |
| FHA | $862,500 |
| VA | No limit (full entitlement) |
| Jumbo | Above $862,500 |
High-cost county — loans up to $862,500 remain Fannie Mae / Freddie Mac eligible at high-balance pricing.
Mortgage Programs in Arapahoe County
High-Balance Conforming up to $862,500 — Fannie/Freddie eligible with slightly elevated rate
FHA up to $862,500 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
Jumbo — available above $862,500 for qualified borrowers with strong credit and reserves
DSCR Investor — qualify on rental income, close in LLC, no W-2 or tax returns required
CHFA (Colorado) — down payment assistance, reduced PMI, income-limit programs for qualified buyers
Cities We Serve in Arapahoe County, CO
Arapahoe County has significant military presence. VA loans with 0% down and no county limit are available throughout the county.
Arapahoe County Mortgage FAQ
What are the 2026 loan limits in Arapahoe County, CO?＋
The 2026 conforming loan limit in Arapahoe County is $862,500. The FHA limit is $862,500. VA loans have no county cap for borrowers with full entitlement. Loans above $862,500 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Arapahoe County.
Does Tayton Capital serve all cities in Arapahoe County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Arapahoe County area. This includes Aurora, Centennial, Englewood, Littleton. We close loans for buyers in every city and unincorporated community throughout Arapahoe County.
Are VA loans popular in Arapahoe County?＋
Yes — Arapahoe County has significant active-duty and veteran population, making VA loans one of the most-used products in the area. VA loans offer 0% down payment, no monthly PMI, and no county loan limit for borrowers with full entitlement. The VA funding fee for first-time use with 0% down is 2.15%.
Are there down payment assistance programs in Arapahoe County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Arapahoe County buyers. CHFA programs include the CHFA Advantage (conventional, no PMI with qualified buyers), CHFA FHA, and down payment assistance grants or second mortgages. Income and purchase price limits apply and change annually — visit chfainfo.com or contact us for Arapahoe County's current limits.
Ready to Buy or Refi in Arapahoe County?
Tayton Capital is licensed in Colorado and serves every city in Arapahoe County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Denver County · Conforming $862,500
- Broomfield County · Conforming $862,500