FHA Loans · CO
FHA Home Loans in Fort Collins, CO
FHA's 3.5% minimum on Fort Collins's $525,000 median requires just $18,375 — $7,875 less than a 5% conventional down payment.
3.5% Down
$18,375
Monthly Total
$3,490/mo
2026 FHA Limit
$634,800
Income Needed
$118,325/yr
FHA Limit Covers Fort Collins
FHA loan limits in LARIMER County ($634,800) comfortably cover the Fort Collins median home price ($525,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$18,375
Lower MIP
FHA 10% Down
$52,500
No PMI
Conventional 20%
$105,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,258 | $232 | $3,490 |
| Conventional 5% down | — | $290 | $3,524 |
Upfront MIP of $8,865 (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 Fort Collins
Low down payment, flexible credit requirements, and DPA stackable programs.