FHA Loans · CO
FHA Home Loans in Loveland, CO
FHA's 3.5% minimum on Loveland's $472,000 median requires just $16,520 — $7,080 less than a 5% conventional down payment.
3.5% Down
$16,520
Monthly Total
$3,137/mo
2026 FHA Limit
$634,800
Income Needed
$108,474/yr
FHA Limit Covers Loveland
FHA loan limits in LARIMER County ($634,800) comfortably cover the Loveland median home price ($472,000).
Down Payment Comparison
Most Popular
FHA 3.5% Down
$16,520
Lower MIP
FHA 10% Down
$47,200
No PMI
Conventional 20%
$94,400
Monthly Payment Breakdown
| Loan Type | P&I | MIP / PMI | Monthly Total |
|---|---|---|---|
| FHA 3.5% down | $2,929 | $208 | $3,137 |
| Conventional 5% down | — | $261 | $3,169 |
Upfront MIP of $7,970 (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 Loveland
Low down payment, flexible credit requirements, and DPA stackable programs.