Cripple Creek · Teller County

Mortgage Broker in Cripple Creek, Teller County, Colorado

2026 Loan Limits in Cripple Creek, Teller County

The 2026 conforming loan limit in Teller County is $832,750, covering most Cripple Creek home purchases. FHA buyers work within Colorado's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. USDA 0% down financing is available on eligible Cripple Creek properties, with a 2026 household income cap of $112,000 (1–4 persons). Eligible addresses must be confirmed — use the USDA eligibility map or ask us to check a specific property.

Loan Programs Available

Conventional

Fannie Mae and Freddie Mac financing up to $832,750 in Teller County — primary, second home, and investment.

FHA

3.5% down, flexible credit, no income cap. Cripple Creek's 2026 FHA ceiling: $541,287.

USDA

0% down rural development financing on eligible Cripple Creek addresses, with a 2026 household income cap of $112,000 (1–4 persons). Address must be verified on the USDA eligibility map.

DSCR

Investment property financing that qualifies on rental income — no personal income documentation required. Common in Cripple Creek for long-term rentals and small multi-unit properties.

Jumbo & Non-QM

For loans above the conforming ceiling, bank statement, P&L, asset depletion, and foreign national programs are available.

Local Market Notes

Teller County; USDA-eligible; gaming revenue; historic mining town.

Frequently Asked Questions

What is the 2026 conforming loan limit in Cripple Creek, Colorado?

Cripple Creek sits in Teller County, where the 2026 conforming loan limit is $832,750. Loans up to that amount are eligible for Fannie Mae or Freddie Mac financing; anything above is jumbo territory.

What is the 2026 FHA loan limit in Cripple Creek?

The 2026 FHA loan limit in Teller County is $541,287 for a single-family home. FHA financing allows 3.5% down with flexible credit and no income cap.

Is Cripple Creek eligible for USDA financing?

Cripple Creek qualifies for USDA rural development financing — 0% down, no monthly PMI. The 2026 USDA household income cap (1–4 persons) in this area is $112,000. Eligibility is property-specific; we can check any address against the USDA eligibility map.

What loan programs does Tayton Capital offer in Cripple Creek?

We offer conventional, FHA, VA, USDA, DSCR, jumbo, and Non-QM (bank statement, P&L, asset depletion, foreign national) financing in Cripple Creek and throughout Colorado.