FHA Loans · CO
FHA Home Loans in Boulder, CO
Boulder sits in an elevated FHA zone ($879,750 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$26,425
Monthly Total
$5,018/mo
2026 FHA Limit
$879,750
Income Needed
$160,967/yr
FHA Limit Covers Boulder
FHA loan limits in BOULDER County ($879,750) comfortably cover the Boulder median home price ($755,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$26,425
Lower MIP
FHA 10% Down
$75,500
No PMI
Conventional 20%
$151,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $4,685 | $333 | $5,018 |
| Conventional 5% down | — | $418 | $5,070 |
Upfront MIP of $12,750 (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 Boulder
Low down payment, flexible credit requirements, and DPA stackable programs.