2026 Loan Limits in Commerce City, Adams County
Commerce City is in Adams County, one of Colorado's high-cost areas, where both the high-balance conforming and FHA limits reach $862,500 in 2026. Loans up to $862,500 are still Fannie Mae / Freddie Mac eligible — but at high-balance pricing, which carries a small rate premium over the $832,750 standard conforming baseline. Any loan above $862,500 is jumbo and requires portfolio or non-agency financing. Adams County is a high-cost area, and FHA is generous here at $862,500 — at or above the $862,500 conforming limit — so Commerce City buyers can use 3.5% down at price points that are jumbo territory almost everywhere else. HUD set that number off the Denver-Aurora-Centennial area median sale price of $750,000. On 2-4 units, conforming runs $1,104,150/$1,334,700/$1,658,700 and FHA $1,104,150/$1,334,700/$1,658,700, which is how a lot of Commerce City buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $862,500 in Adams County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Commerce City's 2026 FHA ceiling: $862,500.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Commerce City for long-term rentals and small multi-unit properties.
Jumbo & Non-QM
For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.
Local Market Notes
Denver MSA; affordable entry point; growing market.