FHA Loans · CO
FHA Home Loans in Breckenridge, CO
Breckenridge's FHA limit of $1,092,500 — among the highest in CO — puts most local properties within FHA reach despite elevated prices.
3.5% Down
$31,675
Monthly Total
$6,016/mo
2026 FHA Limit
$1,092,500
Income Needed
$188,818/yr
FHA Limit Covers Breckenridge
FHA loan limits in SUMMIT County ($1,092,500) comfortably cover the Breckenridge median home price ($905,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$31,675
Lower MIP
FHA 10% Down
$90,500
No PMI
Conventional 20%
$181,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $5,616 | $400 | $6,016 |
| Conventional 5% down | — | $501 | $6,077 |
Upfront MIP of $15,283 (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 Breckenridge
Low down payment, flexible credit requirements, and DPA stackable programs.