What is the 2026 FHA loan limit in Loveland?

The 2026 FHA loan limit for LARIMER County (including Loveland) 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 Loveland?

FHA: $16,520 down (3.5%), $208/mo MIP (cancelable when you refi, not LTV-based), slightly lower rate. Conventional 5% down: $23,600 down, $261/mo PMI (cancelable at 80% LTV automatically), no upfront premium. For Loveland 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 Loveland?

FHA requires 580+ for the 3.5% down option; 500-579 requires 10% down. Most Loveland FHA lenders set overlays at 620+ for streamlined approval. FHA's credit flexibility is a key advantage in Loveland'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 Loveland, CO

FHA's 3.5% minimum on Loveland's $472,000 median requires just $16,520 — $7,080 less than a 5% conventional down payment.

3.5% Down

$16,520

Monthly Total

$3,137/mo

2026 FHA Limit

$634,800

Income Needed

$108,474/yr

FHA Limit Covers Loveland

FHA loan limits in LARIMER County ($634,800) comfortably cover the Loveland median home price ($472,000).

Down Payment Comparison

Monthly Payment Breakdown

Loan Type	P&I	MIP / PMI	Monthly Total
FHA 3.5% down	$2,929	$208	$3,137
Conventional 5% down	—	$261	$3,169

Upfront MIP of $7,970 (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 Loveland

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

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