2026 Loan Limits in Berthoud, Larimer County
Larimer County uses the $832,750 national baseline conforming limit for 2026. HUD set the county's one-unit FHA limit at $634,800 — $93,513 above the $541,287 national floor. At a $495,000 median, both conforming and FHA financing reach the middle of the Berthoud market. On 2–4 units, conforming runs $1,065,920/$1,288,597/$1,601,462 and FHA $812,544/$982,290/$1,220,784, which is how Berthoud buyers house-hack a duplex with 3.5% down.
Loan Programs Available
Conventional
Fannie Mae and Freddie Mac financing up to $832,750 in Larimer County — primary, second home, and investment.
FHA
3.5% down, flexible credit, no income cap. Berthoud's 2026 FHA ceiling: $634,800.
USDA
0% down rural development financing on eligible Berthoud addresses. 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 Berthoud 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
Berthoud, Larimer County — a suburban market built around newer single-family stock and school-district demand; median $495,000; county FHA limit $634,800.