About This Program in Steamboat Springs (rural)
Routt County's 2026 FHA limit of $1,089,050 sits $547,763 above Colorado's standard floor of $541,287, giving Steamboat Springs (rural) buyers significantly more purchasing power than most Colorado markets. At Steamboat Springs (rural)'s median price of $585,000, FHA requires just $20,500 down — saving $96,500 versus a 20% conventional down payment. Monthly MIP runs approximately $260 at that loan size, with a one-time upfront MIP of $9,900 typically rolled into the loan.