What is the 2026 FHA loan limit in Fort Collins?

The 2026 FHA loan limit for LARIMER County (including Fort Collins) is $634,800 for a single-family home. This HUD-set limit is adjusted annually based on local median home prices. It represents the standard tier for this county.

FHA vs conventional — which is better in Fort Collins?

FHA: $18,375 down (3.5%), $232/mo MIP (cancelable when you refi, not LTV-based), slightly lower rate. Conventional 5% down: $26,250 down, $290/mo PMI (cancelable at 80% LTV automatically), no upfront premium. For Fort Collins buyers with 620-679 credit, FHA typically wins on rate. For 680+ buyers planning to build equity fast, conventional PMI cancelability often wins in 5-7 years.

What credit score is needed for FHA in Fort Collins?

FHA requires 580+ for the 3.5% down option; 500-579 requires 10% down. Most Fort Collins FHA lenders set overlays at 620+ for streamlined approval. FHA's credit flexibility is a key advantage in Fort Collins's market for buyers with past credit events (bankruptcy 2+ years, foreclosure 3+ years), limited credit history, or non-traditional credit.

FHA Loans · CO

FHA Home Loans in Fort Collins, CO

FHA's 3.5% minimum on Fort Collins's $525,000 median requires just $18,375 — $7,875 less than a 5% conventional down payment.

3.5% Down

$18,375

Monthly Total

$3,490/mo

2026 FHA Limit

$634,800

Income Needed

$118,325/yr

FHA Limit Covers Fort Collins

FHA loan limits in LARIMER County ($634,800) comfortably cover the Fort Collins median home price ($525,000).

Down Payment Comparison

Monthly Payment Breakdown

Loan Type	P&I	MIP / PMI	Monthly Total
FHA 3.5% down	$3,258	$232	$3,490
Conventional 5% down	—	$290	$3,524

Upfront MIP of $8,865 (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

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Low down payment, flexible credit requirements, and DPA stackable programs.

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