Boulder County, Colorado loan limits — 2026.
Boulder, Longmont, Lafayette, Louisville, Superior, Erie, Niwot. Designated high-cost area.
2026 loan limits at a glance
The same high-cost limits apply across all of Boulder County.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Conforming (high-cost) | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| FHA | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 |
| Jumbo | > $879,750 | > $1,126,250 | > $1,361,350 | > $1,691,850 |
Boulder market and the right program
Under $879,750 loan amount? Conforming or FHA work. Conforming gives the best rates with 5% down on a primary; FHA wins for credit under 680 or higher DTI.
Above $879,750? You're in jumbo territory — common for Boulder single-family homes and University Hill renovations. 10% down primary jumbo and 10% down second-home jumbo available with strong credit.
Investment property in Boulder? Boulder's rental restrictions are unique — long-term rental rules and short-term licensing affect DSCR underwriting. We pre-screen the address before pricing.
Boulder County loan FAQs
What is the 2026 conforming loan limit in Boulder County, CO?+
Boulder County is a designated high-cost area. The 2026 conforming (Fannie Mae / Freddie Mac) one-unit loan limit is $879,750 — well above the national $832,750 baseline.
What is the 2026 FHA loan limit in Boulder County?+
The 2026 FHA one-unit loan limit in Boulder County is $879,750, matching the high-cost conforming limit. Multi-unit limits go up to $1,691,850 for a 4-unit property.
What is the 2026 VA loan limit in Boulder County?+
Veterans with full entitlement have no hard limit — you can borrow above $879,750 with zero down. Veterans with partial entitlement are capped at $879,750 in Boulder County.
When do I need a jumbo loan in Boulder?+
Any loan above $879,750 in Boulder County is jumbo. Given Boulder's median sale price often exceeds $1M, many single-family purchases require jumbo financing.
Are there separate limits for Longmont, Lafayette, and Louisville?+
No — the entire county uses the same loan limits. Boulder, Longmont, Lafayette, Louisville, Superior, Erie, and Niwot all qualify for the $879,750 high-cost conforming and FHA limit.
Buying or refinancing in Boulder?
Same-day pricing for conforming, high-cost, or jumbo financing.