Denver County, Colorado loan limits — 2026.
Denver, Cherry Creek, Wash Park, LoDo, Park Hill, Stapleton, Highlands. High-balance conforming area.
2026 loan limits at a glance
Denver County sits in the Denver-Aurora-Lakewood high-balance MSA. Limits below also apply to Adams, Arapahoe, Broomfield, Clear Creek, Douglas, Elbert, Gilpin, Jefferson, and Park counties.
| Program | 1-unit | 2-unit | 3-unit | 4-unit |
|---|---|---|---|---|
| VA (full entitlement) | No limit | No limit | No limit | No limit |
| VA (partial entitlement) | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Conforming (high-balance) | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| FHA | $862,500 | $1,104,150 | $1,334,700 | $1,658,700 |
| Jumbo | > $862,500 | > $1,104,150 | > $1,334,700 | > $1,658,700 |
Picking the right program in Denver
Under $832,750 loan amount? Standard conforming offers the best rates with as little as 3%–5% down. FHA stays competitive for buyers with credit below 680 or limited reserves.
$832,750 – $862,500? You're in high-balance conforming territory. Slight rate add-on but far cheaper than jumbo. Common in Cherry Creek, Highlands, and Wash Park price points.
Above $862,500? Jumbo financing — 10% down available on primary residences with 700+ credit. We have portfolio jumbo shelves up to $5M for high-end Denver homes.
Denver County loan FAQs
What is the 2026 conforming loan limit in Denver County, CO?+
Denver County is part of the Denver-Aurora-Lakewood MSA, a high-balance area. The 2026 conforming (Fannie Mae / Freddie Mac) one-unit loan limit is $862,500 — above the national baseline of $832,750.
What is the 2026 FHA loan limit in Denver County?+
The 2026 FHA loan limit for a single-family home in Denver County is $862,500, matching the high-balance conforming limit because HUD ties FHA's high-cost area limit to the FHFA conforming ceiling for the same MSA.
What is the 2026 VA loan limit in Denver County?+
Veterans with full VA entitlement have no hard loan limit — you can borrow above $862,500 with zero down. Veterans with partial entitlement are capped at the county conforming limit of $862,500.
When do I need a jumbo loan in Denver?+
Any loan above $862,500 in Denver County is jumbo. With the median Denver sale price hovering near $600K, most single-family purchases qualify for conforming financing, but higher-end neighborhoods (Cherry Creek, Wash Park, LoDo lofts) often require jumbo.
Does the high-balance conforming limit affect my rate?+
High-balance conforming loans (loans above $832,750 but at or below $862,500 in Denver) typically carry a small rate add-on of 0.25%–0.50% versus standard conforming. They are still significantly cheaper than jumbo financing for most borrowers.
Buying or refinancing in Denver?
Get a same-day pricing scenario for conforming, high-balance, or jumbo financing.