Mortgage Loans in Boulder County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Boulder County.
About Boulder County
Boulder County is a premium university and tech market with the state's highest median home prices outside resort counties, driven by CU Boulder and a robust tech sector. Tayton Capital serves buyers throughout Boulder County, including Boulder, and Longmont. Median home prices across the county range from $555,000 to $895,000, with loan limits elevated above the national baseline — the 2026 high-balance conforming limit is $879,750.
2026 Loan Limits — Boulder County, CO
Boulder County is designated a high-cost area by both FHFA and HUD. The 2026 high-balance conforming limit is $879,750 and the FHA limit is $879,750. Loans up to $879,750 remain Fannie Mae/Freddie Mac eligible at high-balance pricing — slightly above the $832,750 standard conforming rate. Anything above $879,750 requires jumbo or non-agency financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $879,750 |
| FHA | $879,750 |
| VA | No limit (full entitlement) |
| Jumbo | Above $879,750 |
High-cost county — loans up to $879,750 remain Fannie Mae / Freddie Mac eligible at high-balance pricing.
Mortgage Programs in Boulder County
High-Balance Conforming up to $879,750 — Fannie/Freddie eligible with slightly elevated rate
FHA up to $879,750 — 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 $879,750 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 Boulder County, CO
Boulder County Mortgage FAQ
What are the 2026 loan limits in Boulder County, CO?＋
The 2026 conforming loan limit in Boulder County is $879,750. The FHA limit is $879,750. VA loans have no county cap for borrowers with full entitlement. Loans above $879,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Boulder County.
Does Tayton Capital serve all cities in Boulder County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Boulder County area. This includes Boulder, Longmont. We close loans for buyers in every city and unincorporated community throughout Boulder County.
What mortgage programs are available in Boulder County?＋
Buyers in Boulder County have access to conventional, FHA, VA, jumbo, DSCR, and USDA loans depending on location and eligibility. FHA is particularly popular for first-time buyers with the $879,750 county limit. DSCR loans are available for investors without requiring W-2 income documentation.
Are there down payment assistance programs in Boulder County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Boulder 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 Boulder County's current limits.
Ready to Buy or Refi in Boulder County?
Tayton Capital is licensed in Colorado and serves every city in Boulder County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Arapahoe County · Conforming $862,500
- Broomfield County · Conforming $862,500
- Adams County · Conforming $862,500