Larimer County's 2026 FHA limit of $634,800 sits $93,513 above Colorado's standard floor of $541,287, giving Fort Collins buyers significantly more purchasing power than most Colorado markets. At Fort Collins's median price of $555,000, FHA requires just $19,400 down — saving $91,600 versus a 20% conventional down payment. Monthly MIP runs approximately $240 at that loan size, with a one-time upfront MIP of $9,400 typically rolled into the loan.
Most Fort Collins purchases fall comfortably within the $634,800 FHA ceiling. FHA is a strong fit for first-time buyers, repeat buyers with limited down payment, and borrowers with credit scores down to 580.
Colorado's CHFA (Colorado Housing Finance Authority) offers down payment assistance statewide. Ask us whether the CHFA SmartStep or Preferred programs apply to your purchase.
We close FHA loans in Larimer County — typically in 21–28 days. Tell us your purchase price and we'll send you a full breakdown within hours.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624