Mortgage Loans in Larimer County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Larimer County.
About Larimer County
Larimer County is a northern Front Range university and outdoor lifestyle market spanning Fort Collins, Loveland, and Estes Park, with elevated FHA limits above the state floor. Tayton Capital serves buyers throughout Larimer County, including Fort Collins, Estes Park, and Loveland. Median home prices across the county range from $485,000 to $695,000, with FHA limits above the state floor at $634,800, giving first-time buyers meaningful additional purchasing power.
2026 Loan Limits — Larimer County, CO
Larimer County uses the standard Colorado conforming baseline of $832,750, covering the vast majority of purchase transactions. FHA buyers benefit from an elevated county limit of $634,800, which is $93,513 above the Colorado floor of $541,287. This provides meaningfully more purchasing power than buyers in floor-limit counties, particularly for 3.5% down FHA borrowers. VA loans carry no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo or non-QM financing.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $832,750 |
| FHA | $634,800 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
Larimer County FHA limit is above the state floor, giving FHA buyers additional purchasing power.
Mortgage Programs in Larimer County
Conventional up to $832,750 — standard pricing, 3–5% down for qualifying buyers
FHA up to $634,800 — 3.5% down, flexible credit starting at 580 FICO, no income limit
VA — 0% down, no PMI, no county limit for full-entitlement veterans
USDA — 0% down on eligible rural addresses (property-specific; confirm before offer)
Jumbo — available above $832,750 for purchases exceeding the conforming limit
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 Larimer County, CO
Select addresses in Larimer County qualify for USDA Rural Development financing with no down payment. Property eligibility must be confirmed.
Short-term rental activity exists in Larimer County. DSCR investor financing is available; confirm STR permits for specific addresses.
Larimer County Mortgage FAQ
What are the 2026 loan limits in Larimer County, CO?＋
The 2026 conforming loan limit in Larimer County is $832,750. The FHA limit is $634,800. VA loans have no county cap for borrowers with full entitlement. Loans above $832,750 require jumbo financing. These limits are set by FHFA (conforming) and HUD (FHA) and apply throughout all of Larimer County.
Does Tayton Capital serve all cities in Larimer County?＋
Yes — Tayton Capital is licensed in Colorado and serves the entire Larimer County area. This includes Fort Collins, Estes Park, Loveland. We close loans for buyers in every city and unincorporated community throughout Larimer County.
Is USDA financing available in Larimer County?＋
Yes — select addresses in Larimer County qualify for USDA Rural Development financing, which offers 0% down payment with a 1.0% upfront guarantee fee and 0.35% annual fee. Eligibility is property-specific and tied to USDA's rural designation maps. Contact us to check whether a specific address qualifies.
Are there down payment assistance programs in Larimer County, CO?＋
Yes — Colorado Housing and Finance Authority (CHFA) offers down payment assistance for Larimer 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 Larimer County's current limits.
Ready to Buy or Refi in Larimer County?
Tayton Capital is licensed in Colorado and serves every city in Larimer 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
- Arapahoe County · Conforming $862,500
- Adams County · Conforming $862,500