FHA Loans · CO
FHA Home Loans in Louisville, CO
Louisville sits in an elevated FHA zone ($879,750 limit), reflecting the area's higher-than-average home values and giving FHA access to more of the local market.
3.5% Down
$21,875
Monthly Total
$4,154/mo
2026 FHA Limit
$879,750
Income Needed
$136,855/yr
FHA Limit Covers Louisville
FHA loan limits in BOULDER County ($879,750) comfortably cover the Louisville median home price ($625,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$21,875
Lower MIP
FHA 10% Down
$62,500
No PMI
Conventional 20%
$125,000
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $3,878 | $276 | $4,154 |
| Conventional 5% down | — | $346 | $4,197 |
Upfront MIP of $10,554 (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 Louisville
Low down payment, flexible credit requirements, and DPA stackable programs.