2026 Colorado loan limits — every county.
Conforming, FHA, and VA limits for all 64 Colorado counties. Sourced from FHFA and HUD's 2026 release.
Baseline
$832,750
Most CO counties — 1-unit conforming
High-cost ceiling
$1,249,125
Eagle County (resort area)
VA entitlement
No cap*
Full entitlement — borrow above county limit
High-cost counties (2026)
Counties where the conforming limit exceeds the $832,750 national baseline. FHA limits are shown separately because they're calculated independently — note Pitkin and Garfield where FHA ($1,249,125) is actually higher than conforming ($1,209,750).
| County | Conforming | FHA | Detail | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 1U | 2U | 3U | 4U | 1U | 2U | 3U | 4U | ||
| Adams | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Arapahoe | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Boulder | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | $879,750 | $1,126,250 | $1,361,350 | $1,691,850 | View |
| Broomfield | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Clear Creek | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Denver | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | View |
| Douglas | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Eagle | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | View |
| Elbert | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Garfield | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | — |
| Gilpin | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Grand | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | $883,200 | $1,130,650 | $1,366,700 | $1,698,500 | — |
| Jefferson | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Lake | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | — |
| Moffat | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | — |
| Park | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 | — |
| Pitkin | $1,209,750 | $1,548,975 | $1,872,225 | $2,326,875 | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 | View |
| Routt | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | $1,089,050 | $1,394,200 | $1,685,250 | $2,094,350 | — |
| San Miguel | $994,750 | $1,273,450 | $1,539,350 | $1,913,000 | $1,045,350 | $1,338,250 | $1,617,650 | $2,010,350 | — |
| Summit | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | $1,092,500 | $1,398,600 | $1,690,600 | $2,101,000 | View |
All 64 Colorado counties (alphabetical)
2026 single-family (1-unit) limits. Conforming = FHFA. FHA = HUD. Multi-unit limits scale at the same ratio as the 1-unit; see the high-cost table above for full multi-unit detail.
| County | Conforming (1U) | FHA (1U) | Detail |
|---|---|---|---|
| Adams | $862,500 | $862,500 | — |
| Alamosa | $832,750 | $541,287 | — |
| Arapahoe | $862,500 | $862,500 | — |
| Archuleta | $832,750 | $541,287 | — |
| Baca | $832,750 | $541,287 | — |
| Bent | $832,750 | $541,287 | — |
| Boulder | $879,750 | $879,750 | View |
| Broomfield | $862,500 | $862,500 | — |
| Chaffee | $832,750 | $713,000 | — |
| Cheyenne | $832,750 | $541,287 | — |
| Clear Creek | $862,500 | $862,500 | — |
| Conejos | $832,750 | $541,287 | — |
| Costilla | $832,750 | $541,287 | — |
| Crowley | $832,750 | $541,287 | — |
| Custer | $832,750 | $541,287 | — |
| Delta | $832,750 | $541,287 | — |
| Denver | $862,500 | $862,500 | View |
| Dolores | $832,750 | $541,287 | — |
| Douglas | $862,500 | $862,500 | — |
| Eagle | $1,249,125 | $1,249,125 | View |
| El Paso | $832,750 | $541,650 | View |
| Elbert | $862,500 | $862,500 | — |
| Fremont | $832,750 | $541,287 | — |
| Garfield | $1,209,750 | $1,249,125 | — |
| Gilpin | $862,500 | $862,500 | — |
| Grand | $883,200 | $883,200 | — |
| Gunnison | $832,750 | $747,500 | — |
| Hinsdale | $832,750 | $563,500 | — |
| Huerfano | $832,750 | $541,287 | — |
| Jackson | $832,750 | $541,287 | — |
| Jefferson | $862,500 | $862,500 | — |
| Kiowa | $832,750 | $541,287 | — |
| Kit Carson | $832,750 | $541,287 | — |
| La Plata | $832,750 | $747,500 | — |
| Lake | $1,092,500 | $1,092,500 | — |
| Larimer | $832,750 | $634,800 | — |
| Las Animas | $832,750 | $541,287 | — |
| Lincoln | $832,750 | $541,287 | — |
| Logan | $832,750 | $541,287 | — |
| Mesa | $832,750 | $541,287 | — |
| Mineral | $832,750 | $541,287 | — |
| Moffat | $1,089,050 | $1,089,050 | — |
| Montezuma | $832,750 | $541,287 | — |
| Montrose | $832,750 | $541,287 | — |
| Morgan | $832,750 | $541,287 | — |
| Otero | $832,750 | $541,287 | — |
| Ouray | $832,750 | $750,950 | — |
| Park | $862,500 | $862,500 | — |
| Phillips | $832,750 | $541,287 | — |
| Pitkin | $1,209,750 | $1,249,125 | View |
| Prowers | $832,750 | $541,287 | — |
| Pueblo | $832,750 | $541,287 | — |
| Rio Blanco | $832,750 | $541,287 | — |
| Rio Grande | $832,750 | $541,287 | — |
| Routt | $1,089,050 | $1,089,050 | — |
| Saguache | $832,750 | $541,287 | — |
| San Juan | $832,750 | $541,287 | — |
| San Miguel | $994,750 | $1,045,350 | — |
| Sedgwick | $832,750 | $541,287 | — |
| Summit | $1,092,500 | $1,092,500 | View |
| Teller | $832,750 | $541,650 | — |
| Washington | $832,750 | $541,287 | — |
| Weld | $832,750 | $575,000 | — |
| Yuma | $832,750 | $541,287 | — |
*VA: veterans with full entitlement have no hard loan limit. Veterans with partial entitlement use the county conforming amount above. Source: FHFA County Loan Limit file (Nov 25, 2025) and HUD FHA Mortgage Limits (Dec 2025).
Colorado loan-limit FAQs
What is the 2026 baseline conforming loan limit in Colorado?+
For most Colorado counties the 2026 one-unit conforming (Fannie Mae / Freddie Mac) loan limit is $832,750 — a 3.26% increase from 2025. High-cost counties go higher, up to the national ceiling of $1,249,125 in Eagle County.
Which Colorado counties are high-cost in 2026?+
Eagle ($1,249,125), Garfield and Pitkin ($1,209,750), Summit and Lake ($1,092,500), Moffat and Routt ($1,089,050), San Miguel ($994,750), Grand ($883,200), Boulder ($879,750), and the Denver MSA counties — Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Elbert, Gilpin, Jefferson, and Park — at $862,500.
Are FHA loan limits the same as conforming in Colorado?+
No — FHA and conforming limits are calculated differently. FHA's 2026 floor is $541,287 (65% of the baseline) and its ceiling is $1,249,125 (150% of the baseline). In most rural CO counties FHA tops out at $541,287 even though conforming is $832,750. In a handful of high-cost counties like Pitkin and Garfield, FHA is actually higher than conforming ($1,249,125 vs $1,209,750). Always check both columns in the table above.
What is the 2026 FHA loan limit floor in Colorado?+
Counties with lower median home prices use HUD's national FHA floor of $541,287 for a single-family home. About 35 of Colorado's 64 counties — mostly rural Eastern Plains, San Luis Valley, and Western Slope counties — sit at the floor.
Is there a VA loan limit in Colorado?+
Veterans with full VA entitlement have no hard loan limit anywhere in Colorado — you can borrow above the county conforming limit with zero down. Veterans with partial entitlement are capped at the county conforming amount shown above.
When do I need a jumbo loan in Colorado?+
Any loan above your county's conforming limit is jumbo. In most CO counties that's anything over $832,750. In Eagle County, jumbo doesn't kick in until $1,249,125.
How often do these limits change?+
FHFA announces new conforming limits every November, effective January 1 of the following year. FHA publishes its limits in early December and uses the same effective date.
Not sure which limit applies to your purchase?
Send us the address and we'll confirm conforming, high-balance, FHA, VA, or jumbo pricing same-day.