FHA Loans · CO
FHA Home Loans in Littleton, CO
Littleton sits in an elevated FHA zone ($862,500 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$20,300
Monthly Total
$3,855/mo
2026 FHA Limit
$862,500
Income Needed
$128,511/yr
FHA Limit Covers Littleton
FHA loan limits in ARAPAHOE County ($862,500) comfortably cover the Littleton median home price ($580,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$20,300
Lower MIP
FHA 10% Down
$58,000
No PMI
Conventional 20%
$116,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,599 | $256 | $3,855 |
| Conventional 5% down | — | $321 | $3,894 |
Upfront MIP of $9,794 (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 Littleton
Low down payment, flexible credit requirements, and DPA stackable programs.