FHA Loans · CO
FHA Home Loans in Estes Park, CO
FHA's 3.5% minimum on Estes Park's $562,000 median requires just $19,670 — $8,430 less than a 5% conventional down payment.
3.5% Down
$19,670
Monthly Total
$3,735/mo
2026 FHA Limit
$634,800
Income Needed
$125,162/yr
FHA Limit Covers Estes Park
FHA loan limits in LARIMER County ($634,800) comfortably cover the Estes Park median home price ($562,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$19,670
Lower MIP
FHA 10% Down
$56,200
No PMI
Conventional 20%
$112,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,487 | $248 | $3,735 |
| Conventional 5% down | — | $311 | $3,773 |
Upfront MIP of $9,490 (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 Estes Park
Low down payment, flexible credit requirements, and DPA stackable programs.