2026 Loan Limits in Cripple Creek, Teller County
The 2026 conforming loan limit in Teller County is $832,750, covering most Cripple Creek home purchases. FHA buyers work within Colorado's $541,650 floor — 3.5% down, flexible credit, and no income limit for qualifying. USDA 0% down financing is available on eligible Cripple Creek properties, with a 2026 household income cap of $112,000 (1–4 persons). Eligible addresses must be confirmed — use the USDA eligibility map or ask us to check a specific property. Teller County's FHA limit is $541,650 — $363 above Colorado's $541,287 floor — so FHA buyers in Cripple Creek have more room than most Colorado markets before needing conventional financing. HUD set that number off the Colorado Springs area median sale price of $471,000. On 2-4 units, conforming runs $1,066,250/$1,288,800/$1,601,750 and FHA $693,400/$838,150/$1,041,650, which is how a lot of Cripple Creek buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Teller County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Cripple Creek's 2026 FHA ceiling: $541,650.
USDA
0% down rural development financing on eligible Cripple Creek addresses, with a 2026 household income cap of $112,000 (1–4 persons). Address must be verified on the USDA eligibility map.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Cripple Creek 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
Teller County; USDA-eligible; gaming revenue; historic mining town.