Mortgage Loans in Clear Creek County, CO — 2026 Loan Limits & Programs
2026 loan limits, program eligibility, and every city Tayton Capital serves in Clear Creek County.
About Clear Creek County
Clear Creek County is a mountain and historic market in Colorado, covering Idaho Springs, Georgetown, and Empire. Tayton Capital is a licensed independent mortgage broker serving every community in Clear Creek County — we shop your file across dozens of wholesale lenders instead of quoting one bank's rate sheet. Median home prices across the county run from $445,000 to $585,000. Clear Creek County carries a high-balance conforming limit of $862,500 for 2026, well above the national baseline.
2026 Loan Limits — Clear Creek County, CO
Clear Creek County is designated a high-cost area by FHFA and HUD. The 2026 high-balance conforming limit is $862,500 and the FHA limit is $862,500. Loans up to $862,500 stay Fannie Mae and Freddie Mac eligible at high-balance pricing, a small premium over the $832,750 standard conforming rate. Anything above $862,500 needs jumbo or non-agency financing. HUD sets the CY2026 FHA limit for the Denver-Aurora-Centennial area at $862,500, off a HUD-published area median sale price of $750,000. Buying a 2-4 unit in Clear Creek County? Conforming limits step up to $1,104,150 on a duplex, $1,334,700 on a triplex and $1,658,700 on a fourplex, while FHA allows $1,104,150, $1,334,700 and $1,658,700 respectively — and FHA still only needs 3.5% down when you occupy one unit, which is the cheapest way into small multifamily in this county.
| Loan Type | 2026 Limit |
|---|---|
| Conforming / High-Balance | $862,500 |
| FHA | $862,500 |
| VA | No limit (full entitlement) |
| Jumbo | Above $862,500 |
High-cost county — loans up to $862,500 remain Fannie Mae / Freddie Mac eligible at high-balance pricing.
Mortgage Programs in Clear Creek County
Conventional up to $862,500 — as little as 3% down for first-time buyers, PMI drops at 20% equity
FHA up to $862,500 — 3.5% down, credit accepted from 580 FICO, no income cap
VA — 0% down, no monthly mortgage insurance, and no county limit with full entitlement
Jumbo — available above $862,500 for borrowers with strong credit and reserves
DSCR Investor — qualify on the property's rent instead of your tax returns, and close in an LLC
CHFA — Colorado down payment assistance and reduced-PMI options for income-qualified Clear Creek County buyers
Second home and short-term rental — 10% down second-home pricing, or DSCR underwriting on projected nightly revenue
Cities We Serve in Clear Creek County, CO
Short-term rental activity exists in Clear Creek County. DSCR investor financing is available; confirm STR permits for specific addresses.
Clear Creek County Mortgage FAQ
What are the 2026 loan limits in Clear Creek County, CO?＋
The 2026 conforming loan limit in Clear Creek County is $862,500 and the FHA limit is $862,500. VA loans have no county cap for veterans with full entitlement. Financing above $862,500 requires a jumbo or non-agency loan. FHFA sets the conforming limit and HUD sets the FHA limit; both apply countywide, including Idaho Springs, Georgetown, and Empire.
How much do homes cost in Clear Creek County?＋
Median home prices in Clear Creek County run from $445,000 to $585,000, depending on which community you're buying in. Idaho Springs and Georgetown price differently even within the same county, so a payment estimate built on a county-wide median is rarely accurate for your specific search. We'll run a real payment on the exact price point and program you're considering.
Which mortgage programs work best in Clear Creek County?＋
Conventional and FHA cover most purchases here. Investors and second-home buyers use DSCR loans, which qualify on rental income rather than personal tax returns. Because we're a broker rather than a bank, we compare all of them side by side before you commit.
Does Tayton Capital lend in Clear Creek County?＋
Yes. Tayton Capital, LLC (NMLS #2106875) is licensed in Colorado and closes loans throughout Clear Creek County, including Idaho Springs, Georgetown, and Empire and the surrounding unincorporated areas. TJ Tassone handles Clear Creek County files directly — call or text (970) 708-9624.
Ready to Buy or Refi in Clear Creek County?
Tayton Capital is licensed in Colorado and serves every city in Clear Creek County. Get pre-approved today — same-day response.
More Colorado Counties
- San Miguel County · Conforming $994,750
- Grand County · Conforming $883,200
- Boulder County · Conforming $879,750
- Broomfield County · Conforming $862,500
- Arapahoe County · Conforming $862,500