FHA Loans · CO
FHA Home Loans in Greeley, CO
FHA's 3.5% minimum on Greeley's $388,000 median requires just $13,580 — $5,820 less than a 5% conventional down payment.
3.5% Down
$13,580
Monthly Total
$2,579/mo
2026 FHA Limit
$575,000
Income Needed
$92,902/yr
FHA Limit Covers Greeley
FHA loan limits in WELD County ($575,000) comfortably cover the Greeley median home price ($388,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$13,580
Lower MIP
FHA 10% Down
$38,800
No PMI
Conventional 20%
$77,600
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,408 | $171 | $2,579 |
| Conventional 5% down | — | $215 | $2,605 |
Upfront MIP of $6,552 (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 Greeley
Low down payment, flexible credit requirements, and DPA stackable programs.