2026 Loan Limits in Erie, Boulder County
Boulder County is a designated high-cost county for 2026, so the conforming limit is $879,750 rather than the $832,750 national baseline. HUD set the county's one-unit FHA limit at $879,750 — $338,463 above the $541,287 national floor. At a $655,000 median, both conforming and FHA financing reach the middle of the Erie market. On 2–4 units, conforming runs $1,126,080/$1,361,325/$1,691,847 and FHA $1,126,080/$1,361,325/$1,691,847, which is how Erie buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $879,750 in Boulder County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Erie's 2026 FHA ceiling: $879,750.
DSCR
Investment property financing that qualifies on rental income — no personal income documentation required. Common in Erie 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
Erie, Boulder County — a suburban market built around newer single-family stock and school-district demand; median $655,000; county FHA limit $879,750.