FHA Loans · CO
FHA Home Loans in Carbondale, CO
Carbondale's FHA limit of $1,249,125 — among the highest in CO — puts most local properties within FHA reach despite elevated prices.
3.5% Down
$28,175
Monthly Total
$5,351/mo
2026 FHA Limit
$1,249,125
Income Needed
$170,260/yr
FHA Limit Covers Carbondale
FHA loan limits in GARFIELD County ($1,249,125) comfortably cover the Carbondale median home price ($805,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$28,175
Lower MIP
FHA 10% Down
$80,500
No PMI
Conventional 20%
$161,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $4,995 | $356 | $5,351 |
| Conventional 5% down | — | $446 | $5,406 |
Upfront MIP of $13,594 (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 Carbondale
Low down payment, flexible credit requirements, and DPA stackable programs.