FHA Loans · CO
FHA Home Loans in Commerce City, CO
Commerce City sits in an elevated FHA zone ($862,500 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$15,225
Monthly Total
$2,891/mo
2026 FHA Limit
$862,500
Income Needed
$101,609/yr
FHA Limit Covers Commerce City
FHA loan limits in ADAMS County ($862,500) comfortably cover the Commerce City median home price ($435,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$15,225
Lower MIP
FHA 10% Down
$43,500
No PMI
Conventional 20%
$87,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,699 | $192 | $2,891 |
| Conventional 5% down | — | $241 | $2,921 |
Upfront MIP of $7,346 (1.75%) is typically rolled into the loan balance.
Down Payment Assistance
CHFA (Colorado Housing and Finance Authority) offers down payment assistance grants and second mortgage products stackable with FHA — eligible buyers may reduce out-of-pocket to near $0. Income and purchase price limits apply.
CHFA Eligible: Colorado Housing and Finance Authority offers down payment assistance grants and second mortgage products stackable with FHA. Income and purchase price limits apply.
FAQs
Get pre-approved for an FHA loan in Commerce City
Low down payment, flexible credit requirements, and DPA stackable programs.