FHA Loans · CO
FHA Home Loans in Lafayette, CO
Lafayette sits in an elevated FHA zone ($879,750 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$20,370
Monthly Total
$3,869/mo
2026 FHA Limit
$879,750
Income Needed
$128,902/yr
FHA Limit Covers Lafayette
FHA loan limits in BOULDER County ($879,750) comfortably cover the Lafayette median home price ($582,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$20,370
Lower MIP
FHA 10% Down
$58,200
No PMI
Conventional 20%
$116,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,612 | $257 | $3,869 |
| Conventional 5% down | — | $322 | $3,908 |
Upfront MIP of $9,828 (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 Lafayette
Low down payment, flexible credit requirements, and DPA stackable programs.