FHA Loans · CO
FHA Home Loans in Eaton, CO
FHA's 3.5% minimum on Eaton's $415,000 median requires just $14,525 — $6,225 less than a 5% conventional down payment.
3.5% Down
$14,525
Monthly Total
$2,758/mo
2026 FHA Limit
$575,000
Income Needed
$97,897/yr
FHA Limit Covers Eaton
FHA loan limits in WELD County ($575,000) comfortably cover the Eaton median home price ($415,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$14,525
Lower MIP
FHA 10% Down
$41,500
No PMI
Conventional 20%
$83,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,575 | $183 | $2,758 |
| Conventional 5% down | — | $229 | $2,786 |
Upfront MIP of $7,008 (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 Eaton
Low down payment, flexible credit requirements, and DPA stackable programs.