FHA Home Loans in Almont, CO
Almont is a resort market where second-home and short-term-rental demand sets the price floor. Gunnison County uses the $847,440 national baseline conforming limit for 2026. HUD set the county's one-unit FHA limit at $747,500 — $206,213 above the $541,287 national floor. At a $485,000 median, both conforming and FHA financing reach the middle of the Almont market. The FHA ceiling of $747,500 sits above the $485,000 median, so a typical Almont home is financeable with the 3.5% minimum down payment. On 2–4 units, the FHA limits step up to $956,800 (duplex), $1,156,682 (triplex), and $1,437,517 (fourplex) — the route Colorado buyers use to house-hack with 3.5% down while tenants carry part of the payment.
FHA loan limits in Gunnison County ($747,500) comfortably cover the Almont median home price ($485,000).
Comparación de pago inicial
Desglose del pago mensual
| Tipo de préstamo | P&I | MIP / PMI | Total mensual |
|---|---|---|---|
| FHA 3.5% de pago inicial | $2,971 | $215 | $3,185 |
| Convencional 5% de pago inicial | — | $161 | $3,111 |
El MIP inicial de $8,190 (1.75%) se suele incluir en el saldo del préstamo.
Asistencia para el pago inicial
Colorado buyers in Gunnison County can pair FHA with CHFA first-mortgage and down payment assistance programs, which can cover the 3.5% minimum through a second mortgage or grant. Income and purchase-price caps apply and are set by county, so we check eligibility against the $485,000 Almont median before you write an offer.
Preguntas frecuentes
Get pre-approved for an FHA loan in Almont
Pago inicial bajo, requisitos de crédito flexibles y programas de asistencia para el pago inicial (DPA) acumulables.